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Protection gaps · 3 of 4

If treatment took you off work for three years, who pays the bills at home?

Your hospital plan pays the hospital. Critical illness cover pays everything else— the mortgage, the groceries, the caregiver — while you stop work to recover. That’s the gap this calculator measures.

Your details

Recovery period

CI cover is recovery money — income while you stop work to get treated. The hospital bill itself is your Integrated Shield plan’s job. Benchmark: 4× annual income (MoneySense); we also stress-test recovery expenses × months + buffer and take the larger.

Critical illness gapS$238,000

Need S$288,000 (4× income benchmark) minus S$50,000 existing CI

Benchmark (4× income)S$288,000
Stress needS$181,200
Existing CIS$50,000
S$238,000 short of a funded recoveryWithout this layer, treatment years get funded by drawing down savings or working through recovery. Standalone term-CI is usually the cheapest fix — an adviser can price it against riders on existing policies.

A rules-of-thumb screen from the MoneySense guide and your own inputs — not advice. CI definitions (LIA framework), early-stage cover, waiting periods, survival periods and multipay structures materially change what a policy pays and costs. A licensed adviser matches the structure to your health and budget.

CI structure matters as much as the sum

Free and no obligation — an adviser can help you:

  • Early-stage vs late-stage-only cover pays at very different points of a diagnosis
  • Multipay CI matters if a second condition follows the first — pricing differs sharply
  • Coordinate CI with your hospital plan and emergency fund so no layer double-pays or gapes
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