Your sister is not wrong but you gotta calculate the chances of it happening.

More details needed. How long have you bought it for? Which company yoi got it from?

How tight is your budget? Reduce 50 per month, does it help?

a lot depends on yr age, what plan u have n what plan yr employer gives u.

if young 30s-40s, dun worry so much, keep getting covered by employer.

if not so young like >40s, better keep.

becos... if u give up and buy again later, the premium is much higher due to age, loyalty, inflation.

some insurers wun even sell to u if past a certain age and/or u have poor medical records.

quite common that people who delay too long and end up w/o medial insurance, have to "self insure".