One way to keep your head straight and not be tempted by all the riders (extra package) is to shop for the one that can give life + medical basic coverage of up to 99 years with a monthly premium you can tahan. That's it. You can always add the riders later. But if you want to consider, consider the one with the women health coverage - that's always a good rider.

Of course, the most ideal scenario is to not think about this at all because we all get universal public health coverage with decent service. But we know that's a sector that's dying of a thousand cuts (to the budget)

(And you'll always be over insured... Since it's an industry of probabilities they are counting on you not getting hit by a terrible accident. Idk if that pov helps lololol)