You can create trigger instead of change columns
After insert just update column col1 and col2 respectivly
Val1 + Val3 data into Col1
Val2 + Val4 data into Col2
e.g.
CREATE TRIGGER TRIGGER_NAME ON dbo.TABLENAME
AFTER INSERT AS
DECLARE @REF_ID NVARCHAR(55);
SELECT @REF_ID=i.REF_ID FROM inserted i;
UPDATE TABLENAME SET COL1 = (VAL1 +VAL3),COL2 = (VAL2 +VAL4) WHERE REF_ID = @REF_ID
GO
Note : It is written without testing, You may have to change according to your need