3 things to cover: Term for death, blindness, loss of limbs etc and TPD. Critical Illness and Early-Stage Critical Illness. With the types of processed food we eat everyday these critical illnesses, best be covered. Getting the early-stage coz most critical illness policies only payout when your illness reach latter stages, but people need to get monetary support during early stages where one can't work but expenses still have to be paid. Better start getting covered young.
After buying all three, get medishield, those which can cover 100% of hospitalisation and surgery bills. My wife needed surgery twice so far and both times were 100% reimbursed, having her surgery at Mount E. I was so relieved i bought this. The only policy which i deem not necessary/not as pressing is the personal accident policy, unless your job is of high-risk nature.