https://blog.seedly.sg/working-adults-key-insurance-policies-singapore Seedly covered it but, Depending on your budget, (1) Hospitaliazation - To cover the hospital bills that matters. Wouldnt want a bill shock of 5 digits or even 6 digits. (2) Critical Illness - Mindef Aviva Living Care, cheapest if you are below 30, and anything above 30 and require top up, do buy private in this case (due to escalating premium from Living Care) and premiums are not guaranteed. (3) A small WL for CI base coverage (do you really need CI insurance at age 65 and above? you will need to decide for yourself) because premiums are cheap and you are offered OPAI (option to purchase additional insurance) without medical underwriting. Perfect for Case (2) should you require top up. (4) A big term for TPD ($1 million is good) till age 65 (not to be confused with term till 99). or... Disability income (current pay) , cheap and if you really felt that you do not need it, can reduce it after 5 years. A lot of people do not overpay for insurance, but the locked-in premiums savings can be good. Of course, if you are the mathematical model kind, you can do a Dy/Dx curve to find the most efficient one. You can top up more later through Mindef Aviva (5) Accident - depending on your job nature, it can be very important or totally not worth in risk management aspects. (1) and (2) is definitely important, the rest are dependent.