Financie

Poistenie kritickej choroby

Critical Illness Cover Calculator

Ročný príjem

Outstanding Mortgage ($)

Other Debts ($)

Úspory

What is Critical Illness Cover?

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Critical illness cover pays a tax-free lump sum on diagnosis of specified serious conditions. It is designed to cover the financial shock of a serious diagnosis — debt, treatment costs, income replacement.

DigiCalcs delivers precision-engineered tools for engineers and STEM professionals.

Vzorec

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f(x)Recommended cover = Mortgage + Debts + (Income × 5) − Liquid savings

How to Critical Illness Cover

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1Recommended: mortgage + debts + 5× income − liquid savings
2Cancer accounts for ~60% of claims; heart attack ~15%; stroke ~10%
3Premium depends on age, health, smoking status, and sum assured
4Review coverage after major life events

Worked Examples

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Example 1

Given:£220k mortgage, £55k income, £20k savings

Výsledok:Recommended cover ≈ £220k + £275k − £20k = £475k

Real-World Applications

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Personal financial planning and budget setting

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Comparing loan options before signing agreements

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Understanding the true cost of borrowing over time

Most Common CI Claims

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Condition	% of claims
Cancer	~60%
Heart attack	~15%
Stroke	~10%
MS	~3%
Other	~12%

Frequently Asked Questions

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What is Critical Illness?

How accurate is the Critical Illness calculator?

The calculator uses the standard published formula for critical illness. Results are accurate to the precision of the inputs you provide. For financial, medical, or legal decisions, always verify with a qualified professional.

What units does the Critical Illness calculator use?

This calculator works with inches, percentages. You can enter values in the units shown — the calculator handles all conversions internally.

What formula does the Critical Illness calculator use?

The calculator applies the standard formula for this type of calculation. See the 'How It Works' steps above for the detailed formula breakdown.

References

›Critical illness cover — MoneyHelper

Len na informačné účely. Tento nástroj nepredstavuje finančné poradenstvo. Pred investičnými alebo finančnými rozhodnutiami sa poraďte s kvalifikovaným finančným poradcom.

Accuracy-checked

Reviewed October 2026

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