Life Coverage
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{{ summary.life.isAdequate ? 'No gap' : 'Gap' }}
Critical Illness
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{{ summary.ci.incomeMultiple }}× income covered
Disability Income
{{ summary.disability.monthlyShortfall > 0 ? formatCurrency(summary.disability.monthlyShortfall) + '/mo' : 'Covered' }}
{{ summary.disability.coverageRatio }}% covered
Hospitalisation
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{{ summary.hospitalisation.gapsCount }} gap{{ summary.hospitalisation.gapsCount !== 1 ? 's' : '' }} found
Financial Needs
Gross annual income
Income replacement period (1–30)
Income Replacement: {{ Math.round(numVal(lifeReplacementPct) * 100) }}%
50%100%
Existing Resources
Total sum assured
Group Term Life from employer
Distributable on death
Shared with Disability tab
Gap Analysis
Total Needed
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Total Resources
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Protection Gap
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Gap % of Needs
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Needs vs Resources
| Component | Amount |
|---|---|
| Income Replacement | {{ formatCurrency(lifeResult.needsBreakdown.incomeReplacement) }} |
| Outstanding Mortgage | {{ formatCurrency(lifeResult.needsBreakdown.mortgage) }} |
| Other Debts | {{ formatCurrency(lifeResult.needsBreakdown.debts) }} |
| Education Fund | {{ formatCurrency(lifeResult.needsBreakdown.education) }} |
| 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) }} |
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
Existing CI Coverage
Sum assured across all CI policies
CI Gap Analysis
CI Coverage Needed
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Existing CI Coverage
{{ formatCurrency(ciResult.ciResources) }}
CI Gap
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Your Coverage Multiple
{{ ciResult.incomeMultiple }}× income
LIA recommends {{ CALC_CONFIG.constants.ciBenchmarkIncomeMultiple }}×
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.
Income Needs
Minimum household needs per month
Existing Coverage
Shared with Life tab
ComCare, Workfare, etc.
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.
Disability Income Gap
Monthly Needed
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Monthly Covered
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Monthly Shortfall
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Coverage Ratio
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Annual Shortfall
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Total Gap ({{ disabilityResult.benefitMonths }} months)
{{ formatCurrency(disabilityResult.totalGap) }}
What Is Disability Income Insurance?
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.
Your Coverage
MediShield Life
Gaps Found
- {{ g }}
Recommendations
- {{ r }}
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 |
|---|---|---|---|
| {{ row.tier }} | {{ formatCurrency(row.deductible) }} | {{ formatCurrency(row.coInsurance) }} | {{ formatCurrency(row.oop) }} |
*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.
Life coverage gap, CI benchmarks, and CareShield rates based on LIA Protection Gap Study 2022 and CPF Board data.
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