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Critical Illness Insurance Calculator
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Insurance Tools

Critical Illness Insurance Calculator

Income replacement, karz aur treatment costs ke hisaab se apni zaroori coverage amount nikalein.

Income Replacement
Annual Income
$
Recovery Period Needed
years
Financial Obligations
$
$
Medical & Treatment
Estimated Treatment Cost
$
Existing Resources (offset)
$
$
Already
Covered
0%
Recommended Coverage
$0
sum assured target
Total Financial Need $0
Existing Resources $0
Coverage Gap $0

Income Replacement Timeline

Ye dikhata hai ke recommended coverage amount, recovery period ke dauran monthly income replace karte hue kitne mahine chalega.

MonthStarting FundMonthly Income ReplacedRemaining Fund

Formula kaise kaam karta hai

Recommended Coverage = (Annual Income × Years) + Debts + Treatment Cost − Existing Resources
  • Income Replacement = Annual Income × Recovery Years — jitna time kaam na kar sakne ki halat mein income cover karni ho
  • Financial Obligations = mortgage, loans, aur baaqi qarz jo treatment ke dauran chukane hon
  • Treatment Cost = ilaj/hospital ka estimated lump-sum kharcha
  • Existing Resources = maujooda savings + pehle se koi insurance coverage — ye total need se minus hoti hain
  • Coverage Gap = Total Financial Need − Existing Resources — yehi amount naya coverage khareedte waqt target rakhna chahiye

Note: Ye ek estimation tool hai, actual premium aur policy terms insurer, age, aur health history ke hisaab se alag hote hain — final decision se pehle ek licensed insurance advisor se zaroor consult karein.