請幫忙檢視這份保單內容

請問這份保單規劃是否完善，有不必要的保險或是需要補足的地方嗎？
性別：男
 職業：技師
 月收：50K
 年齡：36
保險項目................................................ 保額／計劃／單位／份數....................保費...............年限
南山人壽康祥一生終身保險-D型..............................240,000..........................9,576...............20
南山人壽不分紅定期壽險附約................................1,000,000.........................3,500................20
南山人壽住院醫療保險附約.......................................計劃  10...........................2,100...............43
南山人壽住院費用給付保險附約...................................2,100...........................4,053...............38
南山人壽傷害保險附約...............................................300,000...........................2,220
南山人壽新人身意外傷害保險附約......................1,500,000...........................3,945
南山人壽新傷害醫療保險金附加條款........................30,000...........................1,821
南山人壽意外傷害醫療日額給付附加條款..................1,000..........................1,210
南山人壽意外骨折及特定手術傷害保險金附約.....200,000.............................740................48
南山人壽護您久久癌症醫療終身健康保險附約........1  單位.........................5,447.................20
南山人壽不分紅定期壽險.........................................1,000,000.........................4,000.................20
南山人壽新終身醫療保險.....................................................600.........................8,754.................20 
南山人壽真安心手術醫療終身保險....................................600.........................6,396.................20

年繳保費53,699元