(1) Hospitalization and surgical plan. Ideally, to upgrade the MediShield life plan to private (more affordable premium at younger age) then downgrade to A or B ward when older. (2) Critical Illness (5 x annual income). May varies dependent on your expenses and liabilities. (3) Disability income and/or income replacement. In cases of depression or chronic back pain which may affect your ability to work, this allows you to still receive your income (capped at 75%) to pay your expenses. If income is not important, why are we working? (4) Life insurance (10x annual income). May vary depending if you have any dependents. (5) Personal accident. For outpatient and permanent dismemberment which is not covered in TPD.