Critical-illness recovery cash guide
How much critical illness coverage do I need in Singapore?
A critical-illness scenario should focus on cash needed during recovery, separate from death-related obligations.Open coverage-gap calculator →Start with the recovery timeline
Choose a scenario length and use essential monthly household spending to estimate living cash through that period. The recovery period is not a medical forecast; it is a financial assumption you choose to test.
How the calculation works
recovery cash need = essential monthly spending × recovery months + care buffer + selected debt payoffCI gap = max(0, recovery cash need − confirmed resources)Resources that may be included
- Confirmed lump-sum critical-illness cover
- Confirmed paid leave or employer benefit
- Liquid reserves explicitly selected for recovery
Medical-expense reimbursement is not necessarily cash available for living costs. Classify benefits according to the actual policy terms.
How to read the 4× income benchmark
The MoneySense Basic Financial Planning Guide lists 4× annual income as a critical-illness rule of thumb. The calculator keeps it as a separate, dated comparison and does not replace your recovery-cash scenario with it.
LIA study figures are context only
The LIA Protection Gap Study 2022 reports population-level measures. Interest.sg does not apply an average protection gap to an individual result.