26M, working an office job, not single but not planning to settle down anytime soon, no dependants. Nett pay after tax/epf is 9.6k. Recently I've purchased my own insurance and I'm currently paying for medical card and life insurance but feel its quite expensive, especially after reading other threads and realized that most people my age are paying much lower.

Medical card:

• Premium: RM540/month (RM6480/year)
• Annual limit: 2mil
• Room and board (max 150 days): 200
• Smoker: Yes (vape or smoke socially, not often)
• Screenshot of policy details

Life insurance (death or total and permanent disability):

• Premium: RM380/month (RM4560/year)
• Sum insured: 500k

Total insurance premium: RM920/month or RM11040/year

My mistake for not doing research beforehand. Do yall think i’m overpaying?
Any advice or opinion is very much appreciated

Update:

Found out why my insurance is expensive.
My CI added 300 to my med card premium, sum assured 150k. Payor benefit added 20 bucks. After removing these, the price is competitive with other policies from different providers, the difference comes down to annual limit, R&B, CI. Other stuff like smoking status also doesn't help. 0 deductibles and sustainability age set at 80 which i guess is higher than normal since based on comments most set at 70?

For life insurance, smoking added 100. Life also has a shorter payment term at 20 years and coverage period is 54 years, and at the 30th year there is a 90k bonus. So i pay 91.2k for sum assured 500k 90k (withdrawable), i think this is fine.