I do think it's important to know how much you need first in general, so that you will always have an idea of whether you are adequately covered or not.
If you don't have dependents or liabilties, then you don't strictly need death coverage. If you do, at least ensure around $600K of cover, and probably $1 million is not very far fetched either if you have upcoming liabilities such as a house, or planning to have children.
For Critical Illness, you need to cover 5 years of expenses as well as cater for treatment money. Based on your data, you're looking at anywhere from $250K to $300K CI cover (how much should be early CI will be up to you) and with a AIA GPP 50K, I am presuming that that is before the multiplier; if so, the multiplier should be x5 at least. If not, you will have a protection gap for CI. Do check to make sure you're covered adequately in this aspect.
I don't count group policies in the calculation since you are not the owner of the policy and terms and conditions can and will change. Plus, Mindef Living Care is not exactly cheap after age of 40.
A typical coverage gauge is 10x of your annual income for death/TPD and 5x of your annual income for Critical Illness.
You may want to consider upping your coverage with a term plan since it offers a very affordable avenue for high coverage. Typically, you shouldnt be spending more than 10% of your annual income on insurance. If you have dependents eg. parents or looking at getting married, that may be more pressing for you.
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For a young person without dependent (I'm assuming), disability income insurance is the most importa...
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