I was quoted by GE and Pru agent with the following plan,

Pru
Life: RM 100,000
160 types CI: RM 100,000
Accidental death & disablement: RM 30,000
Accidental Medical Reimbursement: RM 3,000
Medical card:
1) Room: 200
2) Annual Limit: RM 1,380,000
3) Co-insurance: RM 300
4) Sustainability - 70 YO
Monthly premium: RM 250

GE
Life: RM 100,000 +1%p.a. + cash value
45 types CI: RM 100,000 (early payout)
Accidental death & disablement: RM 15,000
Medical Allowance: RM 100 per day
Medical card:
1) Room: 200
2) Annual Limit: RM 1,320,000
3) Sustainability - 80 YO
Monthly premium: RM 270

I am in dilemma don't know which to go for

By the way, I am 1992, M, non smoker, class 1