Critical Illness Coverage Calculator
A standard health insurance pays hospital bills, but a Critical Illness (CI) policy provides a lump sum to replace your lost income and pay off debts during recovery. Find out exactly how much CI cover you need.
To calculate income replacement if you cannot work.
Standard mediclaim limits or non-medical costs (travel abroad, nursing, etc).
Personal loans or car loans that must be paid during recovery.
Recommended CI Cover
₹30,00,000
This optimal lump sum will ensure your family standard of living remains unchanged if you are diagnosed with a critical illness.
Why this much?
Income Replacement
Expenses for 2 years
₹12,00,000
Treatment Exigencies
Out of pocket / unsupported
+ ₹15,00,000
Outstanding Debt
Short-term liabilities to clear
+ ₹5,00,000
Available Cover (Savings)
- ₹2,00,000
Smart Buying Tip
Do not rely entirely on the "Critical Illness Rider" attached to your Term Plan or Health Insurance. They often have restrictive definitions of illness stages. Buying a **standalone Critical Illness Policy** from a general insurer provides broader coverage and fewer disputes.