The fundamental question that you should consider when looking at disability insurance is - How important is an own-occupation definition of total disability?

In other words, as a trained medical doctor, if a illness or physical disability prevented you from working as a Psychiatrist, would you want the option of being able to work in another occupation and still receive full benefits?

If you do - you need to have a policy that offers an own-occupation definition of disability.

Take the time necessary to understand how the contract language is written.