When was 21 years old, my mum gift to me is an insurance policy which i retained till date. The coverage deemed adequate when i was 21 years old and now after more than 15 years, is grossly inadequate. Coupled with recent encounters of people around me falling sick. (i.e cancer), it is time to reassess my coverage. Some takeaways from search online: The topmost insurance policies that in my opinion should get are in order of priority: Life, hospitalisation/medical, critical illness (early or late stage). Life = Death or Total Permanent Disability "TDP" Hospitalisation/medical "H" = on a reimbursement basis. In my opinion, no need to buy too much. But of course, there is a usually a claim limit and you need to assess if this is sufficient for your needs. Critical illness "CI " = late stage or early stage. at the moment i am more concerned with early stage CI Insurance is expensive so you need to balance between your coverage and the amount of money yo...