Hi Anon, The benefits of being a regular is that you are pretty well-covered during your active years in the force. Some things you definitely should consider is that when you are no longer in the force, would you still have the same kind of coverage? Some things you should look into if you haven't; 1) Integrated Shield Plan - This is usually the first priority when you are looking at insurance coverage. This plan is for your reimbursement of hospital bills in the event of hospitalisation, and covers up to 95% of the bills based on the current regulations set by MOH. 2) Whole Life Insurance with Critical Illness & Early Stage Critical Illness Coverage - As Critical Illness is something that can happen to us at any phase of life, I do believe this is important to have. I do believe that the Mindef Aviva Group Term can have this included, but as it's a term policy, it will cover you till 70 years old as long as you choose to continue the plan based on what I last read up. The guideline for Critical Illness and Early Stage Critical Illness is; 5x your Annual Income for Critical Illness 2 - 3x your Annual Income for Early Stage Critical Illness 3) Term Insurance - this is something you already have as a regular, so what you can do is to actually enhance the amount of coverage in regards to your full income protection; so you can use the guideline of 10x your annual income. Or if you want to have full protection during your active period you can use your annual income x the number of years till retirement as a gauge. So for example; 36k annual income x 30 years in the force = potential income of 1.08mil So you can consider having a term insurance of 1 mil actually. 4) Personal Accident Plans - I do believe you would have it with the Aviva Group Plan. This is for coverage in the event of accidents, and would usually reimburse you for visitations due to accidents like sprains, cuts, burns. It might even have coverage for you when you visit a TCM for sprains. Also there might be coverage for dengue and even HFM as well, but it would be better to confirm as I'm not sure sure about the Aviva policy. I think having these 4 would have a holistic coverage. Then the other forms of insurance you will need would car and travel that your will purchase as needed.