Adding insurance to 住宅ローン?

Hello! I am applying to a million banks (kidding, but quite a lo t) for my 住宅 ローン. A common option I'm seeing are cancer etc coverage for an extra 0.1%. Any thoughts on whether they are worth it?

Currently I have zero insurance and am just relying on my company's health insurance.

Edit:
I understand that there's a default one with no extras. I'm asking for the extras – adding the .1% (5000 yen ish a month) vs getting a separate insurance.

Also, I'm single so it's just me. 🙂

by ananimussss