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Critical Illness Calculator

Medical insurance pays the hospital. Critical illness coverage pays you — here's how much you'd need.

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6 years

Why we recommend 6 years

Years 1–2 · Treatment

Additional treatments, follow-ups and medications beyond what medical insurance pays.

Years 3–4 · Recovery

Rest and rehabilitation while your household expenses continue as normal.

Years 5–6 · Back to work

Time to rebuild your career or business without financial pressure forcing you back too early.

  • 30% of cancer patients in Malaysia were forced to quit their jobs during treatment
  • 91% relied on salaries and savings for out-of-pocket expenses

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