你好,我不是insurance agent. The below is my idea:- actually, the more important is how much your has saving now. Insurance is a protection plan. About your kid:- Let said, If something happen of your kid, you can afford for the medical fee? (If can, then no need buy. If can't, then only buy the medical card). I think normally one year is RM400~RM500 About you:- Same thing, something happen to you, how much need your standby for your kid until there go to ... ...