💔 Critical Illness Cover Calculator
Size your critical illness cover from income lost during recovery, ongoing EMI obligations and a treatment buffer, adjusted for family medical history. Switch to Advanced for premium estimates, affordability and claim-reality details.
Insurance Calculator
Quick 3-step estimate
Your Details
Annual Income
Your Age
Monthly EMI Obligations
Total EMIs you must pay monthly
Treatment Duration
Months off work during recovery
Family Medical History
Cancer, heart disease, diabetes
Existing CI Cover
Any existing critical illness policy
CI Coverage Recommendation
Enter your income to see CI recommendation
What CI covers — 36 illnesses
Cancer, heart attack, stroke, kidney failure, major organ transplant, bypass surgery, paralysis, coma, and 28+ more. The payout is a lump sum — use it for treatment, recovery, or income replacement.
CI + Term = Complete Protection
Term covers your family if you die. CI covers you if you survive a serious illness but can't work. Both are needed for full financial protection.
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Insurance Questions — Answered Directly
25 questions on term life, health, and car insurance. India-specific, no sales angle.
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Using the Calculator
What This Critical Illness Insurance Calculator Does
- Cover = income loss during recovery + EMI obligations + treatment buffer
- Family-history risk multiplier (adds ~50% where relevant)
- Explains how critical illness cover differs from a term plan or health policy
- Covers the lump-sum-on-diagnosis nature of CI payouts
- Awareness of the standard 30-illness list and survival period
Critical Illness Insurance — Frequently Asked Questions
How much critical illness cover should I take?
Size it to cover 2–3 years of income (to absorb a work gap during treatment and recovery), plus your outstanding EMIs and a treatment buffer of ₹10–25L. For someone earning ₹12L/year with a home loan, ₹40–60L of CI cover is a common range.
How is critical illness cover different from health insurance?
Health insurance reimburses hospitalisation bills (indemnity). Critical illness pays a fixed lump sum on diagnosis of a listed illness, regardless of actual medical spend — money you can use for income replacement, EMIs or non-medical costs. The two are complementary, not substitutes.
Is critical illness cover better as a rider or a standalone policy?
A rider on a term plan is cheaper and convenient but usually offers lower cover and fewer illnesses. A standalone CI policy covers more illnesses with higher sums assured and independent claims. High-income or high-liability individuals often prefer standalone cover.
Other Insurance Types
Each insurance type has its own calculator. The all-in-one Insurance Calculator hub lets you pick any type and switch freely, plus the full 9-module advanced analysis.