Is critical illness insurance different from health insurance?

Yes. Health insurance is reimbursement-based (pays hospital bills), whereas Critical Illness insurance is benefit-based (pays a lump sum on diagnosis of a covered illness).

How much CI cover do I need?

A standard benchmark is 2-3 years of your annual income plus enough to cover specialized treatment costs and any outstanding debt.

Does CI cover end after one claim?

Usually, yes. Once the full sum assured is paid for a major illness, the policy terminates. Some advanced plans offer multiple payouts for unrelated illnesses.

Critical Illness Need Calculator

Calculate the lump sum required to cover treatment and recovery for major lifestyle diseases.

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Quick Summary: Critical Illness Need Calculator

In FY 2026-27, a Critical Illness (CI) cover is a vital lump sum benefit for recovery from lifestyle diseases. Your CI cover should equal 24-36 months of income plus medical treatment costs (approx ₹25L-₹50L) to manage EMIs during recovery.

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Regulatory Disclaimer

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.