This type of medical plan can be suitable if you want flexibility and freedom. For one thing, you can choose among different plans with varying benefits and premiums.
Next, medical indemnity plans usually don't constrain you to a particular medical provider network or require you to get a referral to see a specialist. You can usually see any doctor or other healthcare provider you like for covered services.
However, you may get a discount if you use a preferred network of medical providers.