What insurance should we get for our babies? What are the key points we need to look for when comes to buying insurance?

I bought hospital plan and accident plan for both my children. I feel that these two are the most important as we won't know when they will fall sick and hospital bill is so high in Singapore. An education plan will be good as well but I am not so into this as I feel that my money is "trapped" and the payout isn't so great if it is a small amount. You should find a consultant like Diana said to further discuss and to plan what kind of insurance is needed and fits your pocket.