RapidCheck

Critical Illness Cover Calculator

Estimate the critical illness cover you should buy.

Last updated: 20 Aug 2026

Quick answer

A common guideline sets critical illness cover at about 3–5 times your annual income to replace income and fund treatment during recovery: cover = annual income × multiple. For example, 4× on ₹10,00,000 is ₹40 lakh. Enter your income and multiple above.

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Critical illness cover pays a lump sum on diagnosis of a covered illness. A common guideline is 3–5× annual income to cover treatment and income loss during recovery.

How to decide critical illness cover

  1. 1 Enter your annual income.
  2. 2 Choose a multiple (3–5×).
  3. 3 We show a suggested critical illness cover.

Frequently asked questions

How much critical illness cover do I need?
A common rule is 3–5× annual income, so a lump sum can replace income and fund treatment during recovery.
Is it different from health insurance?
Yes — health insurance reimburses hospital bills; critical illness pays a fixed lump sum on diagnosis regardless of bills.
Should I add it to term insurance?
Many buy it as a rider or standalone in addition to term life and health cover.

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