Who this is for
Households reviewing Life/TPD support needs and a separate critical-illness recovery-cash runway.
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Singapore Insurance Coverage Gap Calculator
Build two transparent protection scenarios: the household support and obligations to fund after death or total permanent disability, and the cash needed during a critical-illness recovery period. Existing cover and resources are counted only when you enter or confirm them.
✓ Results shown free✓ Dated source references✓ General information only
Separate Life/TPD and critical-illness scenarios · methodology v1.0.0 · official data dated 1 Sep 2026
Keep Life/TPD needs separate from critical-illness cash
Estimates two independent household scenarios from essential spending, selected obligations and only the resources you explicitly confirm.
What it does not decide
It does not recommend a policy, insurer or coverage amount, assess underwriting or affordability, or combine the two results.
Input and output contract
- Facts you provide
- Essential spending, support period, dependants, selected obligations, current cover and recovery period.
- Dated rules
- Independent MoneySense 9× and 4× comparison cards plus the confirmed CPF DPS band.
- Calculated estimates
- Life/TPD obligation and resources, and a separate critical-illness cash need and resources.
- Unknown until confirmed
- Policy terms, active DPS, employer benefits, liquid-asset availability, underwriting and future needs.
- Optional resources
- Liquid assets and recovery reserves are opt-in; profile import, saving and registration are optional.
Account use is optional: Liquid assets and recovery reserves are opt-in; profile import, saving and registration are optional.
Saved cover, DPS and liquid assets stay unselected until you deliberately choose them for this calculation.
insurance-coverage-gap-v1.0.0 · source set sg-protection-reference-2026-09-01.1
Life/TPD equals the present value of essential household support plus selected obligations, less confirmed Life/TPD resources. Critical illness equals recovery-period essentials plus selected care and debt amounts, less confirmed CI resources. The dated 9× and 4× MoneySense cards are independent comparisons only and are never blended into either result.
Material limitations
- Coverage, DPS and employer resources count only when confirmed; selected liquid assets count only after explicit opt-in.
- The result does not inspect policy definitions, exclusions, inflation, tax, underwriting or provider solvency.
Reproducible fictional example
Inputs and assumptions
- Fictional household: S$96,000 annual income, S$4,000 essential monthly spending, 20 support years, two dependants.
- Mortgage S$350,000, other debt S$25,000, education S$60,000 and final expenses S$30,000; real discount rate 0%.
- Confirmed Life/TPD S$350,000, DPS S$70,000 and employer Life/TPD S$50,000. CI S$150,000, paid leave S$24,000, 24 recovery months and S$30,000 care buffer. Liquid assets not selected.
Replayed engine outputs
- Life/TPD obligation S$1,425,000; confirmed resources S$470,000; shortfall S$955,000.
- Critical-illness cash need S$126,000; confirmed resources S$174,000; excess S$48,000.
- Independent comparison cards: 9× income S$864,000 and 4× income S$384,000; neither changes the needs results.
Primary sources and review dates
| Source | Effective or source date | Checked by Interest.sg | How it is used |
|---|---|---|---|
| MoneySense Basic Financial Planning Guide ↗ | Page updated 2 Jul 2026 | 1 Sep 2026 | Separate 9× and 4× comparisons |
| CPF Dependants’ Protection Scheme ↗ | DPS reference dated 26 Feb 2026 | 1 Sep 2026 | Confirmed DPS amount only |
| MoneySense — Understanding Life Insurance ↗ | Source set effective 2 Jul 2026 | 1 Sep 2026 | Planning context only |
Next actions
- Verify policy schedules, DPS and employer benefits, then recalculate with only confirmed resources.
- Review the two result drivers separately; seek authorised advice if you want a personal product recommendation.
Clear outputs
What this tool will show
Each result stays connected to the inputs and rules used.
- 01Life/TPD shortfall or excess under your assumptions
- 02Critical-illness cash shortfall or excess
- 03Needs and available-resources breakdowns
- 04Dated MoneySense benchmark comparisons
- 05Sensitivity checks and a downloadable summary
Transparency standard✓ ✓ ✓ Read the full methodology→
The workings stay visible from day one.
Official rules
Applied parameters include a source and verification date.
Assumptions
User inputs and defaults are clearly separated.
Limits
Scope and exclusions appear beside the result.
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interest.sg provides general information, dated reference data and calculation tools. Results are estimates—not financial, investment, legal, tax, property, valuation, CPF, HDB, lending, insurance or protection advice. Verify material decisions with the relevant authority or a qualified professional.
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