Hi Tay, there are many critical illness plans available, and each insurer tries to outdo the other in marketing their plan in an attractive way. I can understand how this can be confusing and even overwhelming for the consumer. For me, I think it is best to cut through all the noise and marketing speak by firstly understanding what you yourself need / want, and can afford to purchase. Then work backwards to see which plan is most suitable. Once a person is struck with critical illness, he / she cannot buy any more insurance. So I prefer to implement as soon as possible, 10 years worth of what my client would need for living expenses and to cope with the illness. E.g. the critical illness cover needed could be 10yrs × $40,000 = $400,000. Of this $400,000, I would allocate part of the cover to come from an early critical illness plan. Why 10 years? The first 5 years worth is for the first instance where the person has to rest, seek treatment, recover from the critical illness. The other 5 years worth is if it happens again. The important part about insurance, is not just about getting adequate covers. Often people overlook management of the claimed amount, to ensure that it is used for the intended purpose and that it stretches as planned. So in the event you ever have to make a big insurance claim and receive a lump sum payout, this is the other time to engage your trusted financial consultant to check back on what you had planned together and to work out the management of your claimed monies.