Hospitalizaion - integrated shield plans. Whether you want to stay in a public or pte hospital, is up to you. Read up on riders too. Weigh the premiums costs. It will get more expensive as you get older. Critical illness - AK71 said... From my FB wall: Brendan Yong Weng Chun: "I recommend 3-5 years total annual expenses (income is u can afford) for CI. Reason: if CI strikes, major costs for hospital will be borne by your integrated shield plan plus riders. The CI payout buys time for 3-5 year "break" from work so you can be stress free, hopefully get well enough to go back to work. Maybe pay for some incidentals: supplements, medical devices, experimental drugs .. Early CI in my view generally not necessary, just a good to have." 9 Feb 15 February 9, 2015 at 9:45 PM CI always come bundled with life insurance. Term life provides maximal coverage with minimal costs. Whole life provides minimal coverage with expensive costs, and also mixed investment with insurance. Agents will always want you to get the more expensive plans leading you to become under-insured as they get more commissions, cue the WL and ECI recommendation. Do you have dependents ie your spouse/parents/siblings?