Axaaffin, Great eatern...

Also as said by above... IT is depend on your agent.

I understand from my friend (an ex-agent), the agent can adjust within the package..

My advice:-
1. Remove the masuk wad u get Rm200/ day... Reason: Unless u always masuk wad, if not dont take. u have to pay monthly just to get this benefit.. remove this and masuk medical better...
2. Focus more on medical... this is what u really will use the most... Investment come 2nd and final is the life.. touchwood** u gg adee, no more ur problem.

sekian my 20cent.
EDIT: **Important***  Insurance price will increase starting Aug 1st 2019... IF u want insurance better buy now... anything u buy after 1st Aug 2019 will be priced higher.
Good Luck.