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Critical Illness Cover کا حساب کیسے لگائیں

Critical Illness Cover کیا ہے؟

Critical illness cover pays a tax-free lump sum on diagnosis of specified serious conditions. It is designed to cover the financial shock of a serious diagnosis — debt, treatment costs, income replacement.

فارمولا

Recommended cover = Mortgage + Debts + (Income × 5) − Liquid savings

مرحلہ وار گائیڈ

  1. 1Recommended: mortgage + debts + 5× income − liquid savings
  2. 2Cancer accounts for ~60% of claims; heart attack ~15%; stroke ~10%
  3. 3Premium depends on age, health, smoking status, and sum assured
  4. 4Review coverage after major life events

حل شدہ مثالیں

ان پٹ
£220k mortgage, £55k income, £20k savings
نتیجہ
Recommended cover ≈ £220k + £275k − £20k = £475k

اکثر پوچھے جانے والے سوالات

What is Critical Illness?

Critical illness cover pays a tax-free lump sum on diagnosis of specified serious conditions. It is designed to cover the financial shock of a serious diagnosis — debt, treatment costs, income replacement

How accurate is the Critical Illness calculator?

The calculator uses the standard published formula for critical illness. Results are accurate to the precision of the inputs you provide. For financial, medical, or legal decisions, always verify with a qualified professional.

What units does the Critical Illness calculator use?

This calculator works with inches, percentages. You can enter values in the units shown — the calculator handles all conversions internally.

What formula does the Critical Illness calculator use?

The calculator applies the standard formula for this type of calculation. See the 'How It Works' steps above for the detailed formula breakdown.

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