I believe that you understand the difference between medical and critical illness otherwise please do some research.

You may look at it from few angles.
1. Affordable budget for premium, e.g. RM200 per month
2. Medical Coverage .e.g RM150 life limit , RM50 per yearly limit
3. Critical Illness coverage , normall is 36 illness .e.g RM100K

Ask agent to work out some quotation for you.
It is advisable to include Term Life Insurance.