Veda,

why not get the plan directly from the insurance. not sure what specific plan you're looking for but that way you can bag in the agent's comission for yourself and get what you want.

Veda, no you wont get the discount from the bank i guess. It's their incentive to sell it to you if I'm not mistaken.

Why do you need 2 critical illness plans and 2 medical plan in the first place?
All are emphasis on your own only. It doesn't provide protection to your dependant (I don't know what is your situation, may be you don't have dependants currently)

2400 pa commitment, you need to see your annual income level to justify as well.

Insurance sometimes it is not about value of money (whether the insurance is cheap or high coverage or not), the main criteria to look at is, do you actually need it, and priority need to be taken care of.

Veda,

combining two policies is a good idea if you ask me. but you might want to check if 250k cant be bought cheaper as a single plan (with a higher lifetime limit). the premium is based on expected loss and the higher charges are less likely which is why the cost per 1k cover goes down with a higher limit.

two CI sounds fine if you want to cover that particular risk. i think premium wise there are not too many choices anyway for standalone. later when you dont need to cover as much anymore you can easily cancel one CI and use the savings for the increasing costs of your H&S plans.

Sorry my poor math. 

Anyway, buying insurance is something you need it now, buy a "spare" insurance is not recommended for most people especially for financial tight people.
If one has money to burn, or want to have more/extra protection, a spare insurance to fall in etc., That's fine, I have no problem with that.
Just like buying 2 cars, just in case one car breakdown. If one can afford it, no problem. 

Insurance, you can always buying afterwards, although it might be more expensive to buy later on (as medical premium genereally correlated with ages), but consider that, now you are burning money with duplicate medical insurance, it could be the same with buying more expensive later on. You save nothing and hedge nothing in this case.

Amount of coverage is depended on your affordability in term of financially. If you view Rm1440 pa. is a big sum to start with, then I would advise you look deep into the duplicating/doubling the insurance premium issue. 

If life-time limit concern you, there is medical insurance come with 250K life-time coverage as well.

As I said, this is not a perfect world.
If you have extra and income the support the excessive premium due to duplicating insurance, then nothing wrong or no issue at all.
But majority people need to plan properly and allocate their financial resources carefully and appropriate.

You don't want to spend all your money into insurance, and left little for saving.
No saving, no money, you die tomorrow.
Sound a bit harsh but this is the reality.
No income time, due to you overspend on insurance previously, you left little saving, you will be struggling to pay for daily expenses. And due to no saving left, you are not able to pay the insurance premium and lead to insurance cancellation. Double blow.

As your case, you just cover yourself only. How about future you got family time.
Don't need life-insurance to protect your family?
Don't need money to raise your kids?

Just like your said, your drop CI after reach 40s,  but CI generally happens after we reached 40s.

We cannot have all. Just plan properly what you need and according to priority.
Just like you have 1 medical that guaranteed renewal. So it is basically cover the basic need already. I am not saying your don't need medical insurance, I am saying you don't need 2 medical insurance just for want to have higher life-time limit if your budget is constraint.

Life-time limit of 150K vs 250K (with 2 medical card) is less important already or secondary in priority.

My brother in law whom suffered accident with steel implanted within the leg bone was rejected by ALMOST all insurance company. Since they share same database with hospitals and all the insurance company. THe agents said they willl insure everything but the leg.

this was being told by the insurance agents...

else how do they know that you are high risk and last year and you try to apply for another company which suprisingly get the info faster than you blink your eye?

It's confirm all insurance share a same database, it's same like bank which they share a database for banlist and so on.

Gender : Male&Female (asking for others as well)
Age until next birthday : 24
Smoking status : No
Working environment : Office

My company's insurance is already ING. and I heard ING has one of the highest costs for premium to be paid?

ya, i've read this statement several time oledi
but never knew the truth.

i bet some it is a group insurance, so its not open to everybody

Pls share how u do it