Digital twins (DTs) play a vital role in revolutionising the healthcare industry, leading to more personalised, intelligent, and proactive healthcare. With the evolution of personalised healthcare, there is a significant need to represent a virtual replica for individuals to provide the right type of care in the right way and at the right time. Therefore, in this paper, we surveyed the concept of a personal digital twin (PDT) as an enhanced version of the DT with actionable insight capabilities. In particular, PDT can bring value to patients by enabling more accurate decision making and proper treatment selection and optimisation. Then, we explored the progression of PDT as a revolutionary technology in healthcare research and industry. However, although several research works have been performed for smart healthcare using DT, PDT is still at an early stage. Consequently, we believe that this work can be a step towards smart personalised healthcare industry by guiding the design of industrial personalised healthcare systems. Accordingly, we introduced a reference framework that empowers smart personalised healthcare using PDTs by bringing together existing advanced technologies (i.e., DT, blockchain, and AI). Then, we described some selected use cases, including the mitigation of COVID-19 contagion, COVID-19 survivor follow-up care, personalised COVID-19 medicine, personalised osteoporosis prevention, personalised cancer survivor follow-up care, and personalised nutrition. Finally, we identified further challenges to pave the PDT paradigm toward the smart personalised healthcare industry.