In your situation, in Australia, it's mostly about forward planning. Do you have any foreknowledge of likely changes in your health or family situation?
The insurance market in Australia has historically been pretty poor in terms of transparency and easy comparisons. I'm sure you've found the various compare-policy tools online. I'm assuming you don't want to piggyback on a family policy.
Are you looking for more data, or a list of considerations for insurance planning? If it's the latter, try browsing around insurance industry planner websites for their policy documents. I can probably get some friends in the industry to email me more comprehensive things if you want to work of their approaches.
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