Critical Illness Calculator Singapore 2026
Calculate how much critical illness insurance you need based on estimated treatment costs, income replacement during recovery, and caregiver expenses — beyond what MediShield Life covers.
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mo
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Treatment Cost$120,000
Income Replacement$120,000
Caregiver Costs$24,000
Total CI Coverage Needed$264,000
Existing CI Coverage$0
Coverage Gap$264,000
CI policies in Singapore typically cover 37 severe-stage conditions (LIA standard) and may include early-stage CI riders. Standalone CI policies and term life CI riders differ in cost and coverage scope.
Why CI Coverage Matters Beyond MediShield Life
MediShield Life and IHP cover your hospital bills. But a major illness like cancer or heart attack also means months off work, potential alternative treatments not covered by insurance, and caregiver costs. CI insurance pays a lump sum directly to you — no bills required — so you can focus on recovery, not finances.