Critical Illness Calculator

If recovery takes time, is your safety net ready?

Explore how everyday spending, debts and recovery costs could add up. See how much your current protection and savings might cover.

Make it your estimate

Start with the example figures or enter your own. All amounts are in RM.

Avoid counting debt repayments here if you include the full debt balance below.
Use your own out-of-pocket budget after confirmed benefits; do not include household costs again.
Applied once to monthly expenses when estimating the income replacement fund.

No sign-up needed. Your figures stay in this browser tab until you choose to include them in an email enquiry.

Illustrative estimate • Editable assumptions

Your planning snapshot

Update the inputs to see your estimate.

How this estimate works
  • Monthly expenses × (1 + inflation buffer) × 12 × replacement years gives the income replacement fund. The inflation buffer is applied once, not compounded every recovery year.
  • Add debts and the treatment/recovery reserve, then subtract existing critical illness cover and available savings. The gap is never shown below zero. No investment return is assumed.
  • Only include funds you could actually use together. Medical reimbursement is not the same as a critical illness lump-sum benefit. Check exclusions, limits and waiting periods with an advisor.
Useful references

Use these links to check costs and assumptions for your own situation. Example inputs are not quotations.