I am not in my mid-30s and would be retire back home in my 60s.

Is there a need for PR to buy a basic insurance package which includes medical, critical illness and whole life back in home country?

As for medical insurance, if what you have currently is those Shield that you use your Medisave to pay -- many have restrictions on overseas medical coverage. Many only allow sudden emergency / accident, life and death situation. Somemore cannot be due to pre-existing condition, otherwise no-go. Double confirm in writing with ...