Rather than settling for a combo that is offered by an agent suggest you think about the following first:

When planning for your insurance consider these:

*Life/TPD:*
In the event of Death/TPD how much will my dependant/me need to survive for X number of years? Do I have any liabilities to be cleared to ensure my estate distribution goes smoothly?

*Medical Card:*
Would I prefer a single or sharing room? Would I want a medical card with unlimited lifetime limit?

*Critical illness:*
In the event of a critical illness, the sum coverage will be your income replacement during your recovery. How much do I need?

Once you think about these questions then you can go into determine the right sum assured for you and then only work on the premium with the agent.

BTW a general rule of thumb is if you're allocating 6% - 8% of your monthly income to insurance you are ok.

Best,
Jiansheng

You're the judge of your own budget to spend on an item, whether it's a telephone plan, a car, a house, etc.

If it's beyond your mean then you've probably overspent.

An insurance plan will be more or less the same, depends on how much protection you are buying for yourself, if you think it's worth spending 200 / 250 monthly for it, then go for it. otherwise dont.