How will you use the interest money to save the income tax?
(2) House is among the basic necessities. So if you do not have a house and face difficulties in living in rented house, also it is impossible to buy a house as per the process mentioned in the question, then in this case, it is allowable for you to take loan from the bank only as much as you need.
(3) If the medical card is given to you freely, you do not have to give money for this, then it is allowable to avail this card.
Allah (Subhana Wa Ta’ala) knows Best
Darul Uloom Deoband