Mortgage Insurance. What type to get?

Basically do most people go with the standard group insurance only?

Or is it worth going for the big seven?: add 0.15% to the loan and get full loan coverage if you get sick for a year or more or get cancer etc…

Scared. “What if?” me thinks, the safety net of the extra insurance is a good idea. But realistically and financially… I am on the fence.

What did everyone else go with?

Edited: got the rate wrong

by AbareSaruMk2