The "Hidden Costs" Buffer
This calculator automatically adds a 2-month expense buffer to account for hidden costs not covered by standard health insurance: travel to specialists, experimental treatments, childcare, and home modifications.
Enter your medical exposure, living expenses, and recovery time to reveal your critical illness coverage gap.
What is Critical Illness Cover?
Unlike standard health insurance (which pays doctors and hospitals), Critical Illness insurance pays out a tax-free cash lump sum directly to you upon diagnosis of a covered condition—typically cancer, stroke, or heart attack. This money can be used at your complete discretion.
The Financial "Side Effects"
Surviving a major illness is a financial shock. While health insurance handles the immediate medical crisis, a critical illness payout ensures you don't deplete your retirement savings, allows your spouse to take unpaid time off work to care for you, and keeps your mortgage paid while you focus entirely on recovery.