Investment linked Medical card worth it or not?

29F who took an investment linked medical card . I pay rm 375 per month but I feel it’s not cost efficient considering my salary. It’s been 6 months since I started paying. Just for context- I don’t have life insurance or other CI insurance It has annual cover of rm 1 million, TPD - 75k. My agent said cannot switch to standalone insurance, so I was thinking of switching to a different company for a more affordable premium around rm200. I feel so bad that 8 months of my money has gone down the drain huhu😭😭😭Am I making the right choice?