Income Multiple · 3–5x
Critical Illness Cover
Estimate critical illness cover using a simple income-multiple model. Helps plan a lump-sum buffer for treatment and recovery costs.
3–5x
Income
2
Inputs
Instant
Result
Critical Illness Cover Calculator
Enter annual income and pick a multiple. We’ll estimate an indicative cover amount.
Annual Income (₹)
Multiple
Choose based on dependents, savings buffer, and job stability.
Suggested formula: Cover = Annual Income × 3–5.
Explanation
How to choose Critical Illness cover
Critical illness policies typically pay a lump sum on diagnosis of specified illnesses. This money can help with treatment, income loss during recovery, travel, and lifestyle adjustments.
Many planners use a simple 3–5x income heuristic as a starting point. Your ideal cover depends on existing health cover, dependents, and emergency reserves.