Work out medical emergency fund instantly with clear inputs, formula shown and shareable results.
Insurance rarely covers everything: deductibles, co-payments, non-covered items and pre-hospitalisation costs all fall on the household. Scaling the base provision for family size and medical inflation keeps the target realistic.
Medical fund
Target = (deductible + uninsured costs) × [1 + 0.4 × (members - 1)]
Figures are estimates for planning only. Prices, returns, inflation and personal circumstances all change. This is not financial or tax advice — speak to a qualified adviser before making decisions.
Because claims are reimbursed after payment in many cases, and sub-limits and exclusions leave real gaps.
Keeping it separate prevents medical costs from consuming the buffer that covers job loss.