Insurance for doctors are similar to insurance for accountants, teachers i.e. these are class 1 occupation i.e. their occupations are of low risk in nature.
Then we have class 2 occupations for example sales man because they travel around and they are exposed. As the class increase, so is the risk hence their insurance premium is higher.

When it comes to basic protection i.e. basic plan, it is recommended that one get plans with
death benefit (the first D), total permanent disability (TPD, the second D), 36 critical illness (or disease , the third D)

The 3 things above are collectively known as 3D. For 4D you have to buy Toto or Magnum. Just kidding.

And of course, not forgetting you will need a medical card.

Most insurance plans also have an optional premium waiver benefit i.e. in the event of total permanent disability or 36 critical illness, not only the person can get the lump sum compensation, he can also get the insurance company to continue paying for his insurance. Because the insurance (protection) has been claimed, it is now running on savings mode. Meaning the insurance company help you to build the savings.