What is a critical illness cover calculator?
A critical illness calculator estimates the cover you may want for major treatment costs plus the temporary income gap that can arise during recovery.
Critical illness cover calculator
Estimate a practical critical illness cover target by combining treatment cost and income-gap recovery needs.
What this critical illness calculator helps with
This tool helps you think beyond hospital bills and estimate the wider financial impact of a major illness. Treatment, recovery time, and temporary income disruption can all affect the cover you may want.
It is particularly useful for self-employed earners, single-income families, or households that want a separate illness buffer beyond standard health insurance.
How to use the result
Use the suggested cover as a planning benchmark and compare it with your existing critical illness protection, emergency fund, and liquid savings. That gives a clearer sense of the gap.
It also helps to review this alongside your family floater or top-up health insurance so you do not assume one type of policy covers every medical financial risk.
Frequently asked questions
Why include household expenses in a critical illness estimate?
Serious illness does not only create hospital bills. It can also interrupt work and reduce income for a period, so regular household expenses matter too.
Can health insurance replace critical illness cover?
Not fully. Health insurance helps with hospitalization costs, while critical illness cover is often used for broader financial disruption such as recovery, income loss, and non-hospital expenses.