Work out critical illness cover instantly with clear inputs, formula shown and shareable results.
Critical illness cover pays a lump sum on diagnosis of a listed condition, which is a different purpose from health insurance: it replaces lost income and funds non-medical costs during recovery. Sizing it therefore requires the income gap as well as the uninsured treatment cost.
Income replacement need
Income need = Annual income x Recovery years
Recommended cover
Cover = max(0, Treatment cost + Income need - Existing health cover)
Indicative estimate only. Fees, entitlements, limits and formulas vary by jurisdiction, statute, policy wording and the facts of the case. This is not legal, tax, insurance or financial advice — confirm with a qualified professional or the relevant authority.
No. Health insurance reimburses medical bills; critical illness pays a fixed lump sum on diagnosis regardless of what treatment costs.
Only the specific conditions listed in the policy, each with its own definition and severity threshold, and almost always after a survival period of 14-30 days.