請邦我評估保單內容(急)

我今年27歲已婚，身體無大礙  我的保單都是我媽邦我投保的，最近看了ㄧ下保單發現我ㄧ年要繳的保費太貴(ㄧ直都是媽媽繳的)我想問我媽邦我保的這些是不是重覆性太高，有哪些可以取捨讓保費不要那麼重

富邦                                                                                                          
                                                                                                                 保額                                 保費
主約:富邦人壽健康加倍終身健康保險   (20年期)                                1500                                    18660
附約:富邦人壽新綜合住院醫療保險附約                                               10單位                                                                        2467
 
主約:富邦人壽新平安保本保險(20年期)                                                100萬                                   38500
附約:傷害醫療保險附約                                                                           1000                                     690

國泰
國泰人壽鍾護特定傷病終身保險  (20年期)                                          10000                                     10600
國泰人壽真安順手術醫療終身保險 (  30年期)                                       1000                                       8230
國泰人壽新安順醫療終身保險         (30年期).                                        1000                                      7200
國泰新住院醫療終身健康保險        (20年期)                                          1000                                      5240
國泰鍾愛ㄧ生313終身壽險(30年期)                                                      50萬元                                  12650
主約: 國泰美滿人生202終身壽險(30年期)                                                50萬                                      2700
附約:防癌終身附約                                                                                    ㄧ單位                                   330
附約:溫心住院日額保險附約                                                                                                                   1189

以上  我覺得我的保險真的有很大的問題  請問我該補哪些 去掉哪些   謝謝