Critical Illness Cover Calculator
Estimate the lump-sum cover you would need if diagnosed with a serious illness such as cancer, a heart attack, or a stroke.
⚠️ Estimates only. Treatment cost estimates vary widely by condition and provider. Consult an FSCA-registered financial adviser for a personal needs analysis.
Calculate My Critical Illness Cover Need
Include private hospital, specialist, and medication costs.
How This Calculator Works
The estimate combines three cost categories:
- Treatment costs — your estimated private medical and rehabilitation expenses.
- Income loss — monthly income × recovery months, covering the period you may be unable to work.
- Debt clearance — outstanding debts you would want settled to reduce financial pressure during recovery.
- Existing cover offset — deducts cover you already hold to show only the additional gap.
Outputs are indicative estimates for planning purposes only and do not constitute financial advice.
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