mdi-shield-account Protection Planning

Insurance & Protection Planning

Assess your coverage gaps · Singapore 2026

Life Coverage
{{ summary.life.isAdequate ? 'Adequate' : formatCurrency(summary.life.gap) }}
{{ summary.life.isAdequate ? 'No gap' : 'Gap' }}
Critical Illness
{{ summary.ci.isAdequate ? 'Adequate' : formatCurrency(summary.ci.gap) }}
{{ summary.ci.incomeMultiple }}× income covered
Disability Income
{{ summary.disability.monthlyShortfall > 0 ? formatCurrency(summary.disability.monthlyShortfall) + '/mo' : 'Covered' }}
{{ summary.disability.coverageRatio }}% covered
Hospitalisation
{{ summary.hospitalisation.coverageTier }}
{{ summary.hospitalisation.gapsCount }} gap{{ summary.hospitalisation.gapsCount !== 1 ? 's' : '' }} found
mdi-heart-pulse

Financial Needs

Gross annual income
Income replacement period (1–30)
Income Replacement: {{ Math.round(numVal(lifeReplacementPct) * 100) }}%
50%100%
Lump sum for ongoing care of dependants (e.g. parents, special-needs child)
mdi-bank-outline

Existing Resources

Total sum assured
Group Term Life from employer
Distributable on death
Shared with Disability tab
mdi-chart-bar

Gap Analysis

{{ lifeResult.isAdequate ? 'mdi-check-circle' : 'mdi-alert-circle' }} Your existing resources adequately cover your life protection needs. You have a life coverage gap of {{ formatCurrency(lifeResult.gap) }}.
Total Needed
{{ formatCurrency(lifeResult.totalNeeds) }}
Total Resources
{{ formatCurrency(lifeResult.totalResources) }}
Protection Gap
{{ lifeResult.isAdequate ? 'Adequate' : formatCurrency(lifeResult.gap) }}
Gap % of Needs
{{ lifeResult.isAdequate ? '0%' : safe(lifeResult.gapPercent) + '%' }}
Needs Breakdown
Income Mortgage Education Other
Needs vs Resources
ComponentAmount
Income Replacement{{ formatCurrency(lifeResult.needsBreakdown.incomeReplacement) }}
Outstanding Mortgage{{ formatCurrency(lifeResult.needsBreakdown.mortgage) }}
Other Debts{{ formatCurrency(lifeResult.needsBreakdown.debts) }}
Education Fund{{ formatCurrency(lifeResult.needsBreakdown.education) }}
Dependant Support{{ formatCurrency(lifeResult.needsBreakdown.dependantSupport) }}
Final Expenses{{ formatCurrency(lifeResult.needsBreakdown.finalExpenses) }}
Total Needs{{ formatCurrency(lifeResult.totalNeeds) }}
Insurance & Employer Coverage{{ formatCurrency(safe(lifeResult.resourcesBreakdown.insurance) + safe(lifeResult.resourcesBreakdown.employer)) }}
CPF Savings{{ formatCurrency(lifeResult.resourcesBreakdown.cpf) }}
Cash & Investments{{ formatCurrency(lifeResult.resourcesBreakdown.cash) }}
Spouse Contribution{{ formatCurrency(lifeResult.resourcesBreakdown.spouseContribution) }}
Total Resources{{ formatCurrency(lifeResult.totalResources) }}
mdi-medical-bag

CI Financial Impact

Shared with Life tab
LIA recommends planning for ~5 years
Income Replacement During CI: {{ Math.round(numVal(ciReplacementPct) * 100) }}%
75%100%
Not covered by MediShield/IP
Home-loan payments to cover over the recovery period
mdi-shield-check

Existing CI Coverage

Sum assured across all CI policies
mdi-chart-bar

CI Gap Analysis

{{ ciResult.isAdequate ? 'mdi-check-circle' : 'mdi-alert-circle' }} Your CI coverage exceeds what you'd need during recovery. CI coverage gap: {{ formatCurrency(ciResult.ciGap) }}
CI Coverage Needed
{{ formatCurrency(ciResult.ciNeeds) }}
Existing CI Coverage
{{ formatCurrency(ciResult.ciResources) }}
CI Gap
{{ ciResult.isAdequate ? 'Adequate' : formatCurrency(ciResult.ciGap) }}
Your Coverage Multiple
{{ ciResult.incomeMultiple }}× income
LIA recommends {{ CALC_CONFIG.constants.ciBenchmarkIncomeMultiple }}×
mdi-information LIA Benchmark Comparison

LIA recommends CI coverage of {{ CALC_CONFIG.constants.ciBenchmarkIncomeMultiple }}× annual income = {{ formatCurrency(ciResult.liaBenchmark) }}

Your coverage is {{ formatCurrency(ciResult.liaBenchmarkGap) }} below the LIA benchmark.

Your CI coverage meets or exceeds the LIA benchmark.

CI Needs Breakdown
Income Medical Caregiver/Other
mdi-wheelchair

Income Needs

Minimum household needs per month
mdi-hand-coin

Existing Coverage

Shared with Life tab
ComCare, Workfare, etc.
mdi-shield-star CareShield Life (2025/2026)

S${{ CALC_CONFIG.constants.careShieldMonthlyPayout[2025] }}/month (2025) · S${{ CALC_CONFIG.constants.careShieldMonthlyPayout[2026] }}/month (2026) — severe disability only (cannot perform ≥3 ADLs)

Compulsory for citizens/PRs born 1980+. Lifetime payout, growing {{ CALC_CONFIG.constants.careShieldGrowthRatePct }}% p.a. from 2026–2030.

Include CareShield payouts in "Other Gov. Schemes" if applicable.

mdi-chart-line

Disability Income Gap

{{ disabilityResult.monthlyShortfall > 0 ? 'mdi-alert-circle' : 'mdi-check-circle' }} Monthly shortfall: {{ formatCurrency(disabilityResult.monthlyShortfall) }}/month Your existing coverage meets your essential monthly expenses.
Monthly Needed
{{ formatCurrency(disabilityResult.monthlyNeeded) }}
Monthly Covered
{{ formatCurrency(disabilityResult.monthlyCovered) }}
Monthly Shortfall
{{ formatCurrency(disabilityResult.monthlyShortfall) }}
Coverage Ratio
{{ safe(disabilityResult.coverageRatio) }}%
Annual Shortfall
{{ formatCurrency(disabilityResult.annualShortfall) }}
Total Gap ({{ disabilityResult.benefitMonths }} months)
{{ formatCurrency(disabilityResult.totalGap) }}
What Is Disability Income Insurance?
mdi-information Singapore DII Context

DII replaces a portion of your income if illness or injury prevents you from working. Most policies cover 60–75% of income, with a waiting period before payments begin.

Unlike TPD (Total and Permanent Disability), DII covers partial and temporary disability — making it essential for professionals and self-employed individuals.

mdi-hospital-building

Your Coverage

MediShield Life

mdi-check-circle All Singapore citizens and PRs have MediShield Life. It covers hospitalisation in B2/C ward at public hospitals.

mdi-clock-alert Legacy full rider is grandfathered. From April 2026, new IP riders cannot cover the mandatory deductible.
mdi-alert

Gaps Found

  • ! {{ g }}
Recommendations
  • ✓ {{ r }}
mdi-check-circle No major gaps identified for your current coverage setup.
mdi-currency-usd

Coverage Summary

Max Ward Class
{{ hospResult.maxWardClass }}
Deductible
{{ formatCurrency(hospResult.deductible) }}
Co-insurance
{{ Math.round(safe(hospResult.coInsuranceRate) * 100) }}%
Est. OOP (S$30k bill)
{{ formatCurrency(hospResult.estimatedOOP) }}
S$30,000 Bill Scenario
Coverage Deductible Co-ins Out-of-Pocket
*From April 2026: new IP riders cannot cover the mandatory deductible. Legacy riders are grandfathered.
For illustrative purposes only. Not financial advice. Consult a licensed financial adviser for personalised recommendations.
Life coverage gap, CI benchmarks, and CareShield rates based on LIA Protection Gap Study 2022 and CPF Board data.
© 2026
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This Insurance & Protection Planning calculator is a needs analysis tool — it helps you understand your coverage gaps, not quote premiums. For personalised advice, consult a licensed financial adviser.

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