Assume no other external factors, pls plan to buy an insurance plan as young as possible, as the premium is cheaper. Get the longest term possible... 75/85/100 yrs old plan.

My opinion:
PA : buy just enough. 50-200k. When you work, most of the time it is covered 100-500k by company. Also, you can easily purchase more PA later.

Medical: Get sufficient 50-500k, including operation, surgery, follow up treatment, etc. Also, when you work, most co also cover medical from 10k-200k. Remember inflation costs 50 yrs later.

Hospitalisation: Get a plan that covers at least RM200/day. Why ? Include inflation 50 yrs later. RM200 might just get you a general ward. And nowadays, there is a 90-10 policy. Useful when you are old/retire later. Couple of yrs later, policy may change to 80-20. Beware...

An average single/2 bed-room costs RM130+ nowadays in private hospital.