Looks okay, cover many sectors. If this is the only policy you have in hand.
You can check your illustration table, roughly can sustain till what age base on X (low return) & Y (high return)
Also check the chosen fund pass performance for estimation.
You may ask your agent to show you as well.

Life cover not enough if you have housing loan or other commitment.

You just sign up? or old policy?

Anyhow, base on your basic info.. same amount you can get same sum assured with higher medical fees and no lifetime limit for kidney/cancer.
And no co-insurance, plus 45 Critical illness. Sustainable till 70yo both scenario X & Y.

This is a Public Service Announcement:

With the new regulations implemented last year in regards to the sustainability of the policy, agents should also indicate the coverage term for the plan they are quoting.

As we all know premiums and riders will affect the sustainability of the plan.

If you do not indicate the coverage term, at least mention “Premium starts from”.

To the layman, the coverage term should form part of your consideration.

Best,
Jiansheng