1st of all, you should look at the medical card, and be sure that you get the right room plan because if you get the lowest of it, you'll be having difficulties when being admitted to hospital.

Secondly, determine the life insurance amount + critical illness and P.A.

Few points to note in GE SmartProtect Essential as this is an Investment Linked Plan that can covers all.

Pls take note: GE's medical card:
Co-insurance of 10% up to RM500, meaning you have to pay 10% or RM500 when discharged from the hospital.
If you exceed the room limit, you have to bear 20% of the total hospital bill.

GE's critical illness benefit:
If you get RM100k of critical illness, it will reduce the Life Insurance by the same amount.

This is what i've gathered from GE policy holders.

Hope this helps