critical illness or income protection?

[printer11]

I am mid 40s
what is better critical illness 100,000 cover 30 yrs PS50 every month or Income protection PS50 Terminating age:65, cover: PS1,300 a month

Surely this depends on your individual needs? My friend had a huge payout from critical illness when she had breast cancer ( thankfully fully recovered) but she also had a job in the public sector with generous sickness benefits.