Critical Illness Need Calculator
Calculate the lump sum required to cover treatment and recovery for major lifestyle diseases.
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.
How to use the Critical Illness Need Calculator
- 1
Enter Annual Income
Input your annual take-home salary to calculate income replacement needs.
- 2
Select Disease Type
Choose from common illnesses like Cancer, Heart Attack, or Stroke to estimate specialized costs.
- 3
Add Outstanding Debt
Include your total EMIs and other monthly commitments.
- 4
Review Lump Sum
Get the recommended sum insured to ensure financial stability during a 2-3 year recovery period.
Related Calculators
Regulatory Disclaimer
Last verified May 2026
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.