Skip navigation
Select Region / Language
Navigation skipped
  • Home
  • Critical Ilness Calculator

How much critical illness insurance do you need?

Protect your physical and financial health with critical illness insurance. Tell us a bit about yourself and we’ll calculate the right amount of coverage for you.

Get started

Step 1: What are your potential healthcare costs?

The first step is to determine the potential cost of your physical healthcare needs like medication, hospital upgrades, equipment, and other expenses.

Info Icon If you don’t have insurance you’ll need to cover the cost of medications. 75% of cancer drugs cost more than $20,000 a year.
Please choose an amount less than $2,000,000.
Info Icon Upgrading from a standard ward room to a semi-private room costs about $180 - $225 a day, and a private room costs about $220 - $250 a day.
Please choose an amount less than $2,000,000.
Info Icon Homecare expenses can include:
  • Registered Practical Nurse: $45 - 50/hour
  • Personal Support Worker: $22 - 28/hour
Please choose an amount less than $2,000,000.
Info Icon Estimate the cost of specialty care like private clinics, or US healthcare (e.g. a bone marrow transplant in the US costs US$553,000).
Please choose an amount less than $2,000,000.
Info Icon Equipment expenses can include:
  • Wheel chair: $500 to $10,000
  • Scooter: $1,000 to $8,000
Please choose an amount less than $2,000,000.
Info Icon Home renovation expenses like adding ramps/lifts, widening doorways, refitting kitchens and bathrooms can cost $10,000 or more.
Please choose an amount less than $2,000,000.
Info Icon Adding wheelchair access to your vehicle can cost $8,000 to $15,000.
Please choose an amount less than $2,000,000.
Info Icon Transportation, parking and lodging can cost $100 to $250 a day.
Please choose an amount less than $2,000,000.
Step 2: Supplement your income

How much will you need to supplement your income?

Estimate how much income you could lose, the cost of your mortgage payments, your debt payments, and other expenses.

Your loss of income Info Icon Enter the number of months of work you could miss due to a critical illness and how much you make per month.
Your loss of income
Please choose an amount less than $100,000.
Please choose an amount less than 1,000.
Your spouse’s loss of income Info Icon Enter the number of months of work your spouse could miss due to a critical illness and how much your spouse makes per month
Your spouse’s loss of income
Please choose an amount less than $100,000.
Please choose an amount less than 1,000.
Your mortgage payments Your mortgage payments Info Icon Enter the cost of your monthly mortgage payments and the number of months you’d need to cover due to a critical illness.
Your mortgage payments
Please choose an amount less than $100,000.
Please choose an amount less than 1,000.
Your other debt Info Icon Enter the total cost of your monthly debt payments and the number of months you’d need to cover due to a critical illness.
Your other debt
Please choose an amount less than $100,000.
Please choose an amount less than 1,000.
Your children’s education expenses Info Icon Enter the cost of your children’s education per month (tuition, books, etc.) and the number of months you’d need to cover due to a critical illness.
Your children’s education expenses
Please choose an amount less than $100,000.
Please choose an amount less than 1,000.
Your business expenses Info Icon Enter the cost of your monthly business expenses and the number of months you’d need to cover due to a critical illness.
Your business expenses
Please choose an amount less than $100,000.
Please choose an amount less than 1,000.
Other costs you may need covered Info Icon Enter the cost of other family expenses and the number of months you’d need to cover due to a critical illness.
Other costs you may need covered
Please choose an amount less than $100,000.
Please choose an amount less than 1,000.
Step 3: Lump Sum Requirements

What lump sum costs do you need to cover, and how much do you have saved?

Estimate any lump sum costs you may need to cover in case of a critical illness, including your mortgage, retirement costs, etc.

Info Icon Enter the cost of paying off your mortgage, loans, and other debt in one lump sum.
Please choose an amount less than $1,000,000.
Info Icon Enter the cost of paying for a family vacation in one lump sum.
Please choose an amount less than $100,000.
Info Icon Enter the lump sum cost of retiring early due to a critical illness.
Please choose an amount less than $1,000,000.
Info Icon Enter the value of your short term savings – this will be deducted from the cost of your critical illness insurance needs.
Please choose an amount less than $500,000.
View your results

Your results

Thanks! Here are your current critical illness insurance needs.

$ 0

Print Detailed Summary

Start over

Results Summary

Start over
Print Detailed Summary

Start over

Results summary

Medication 
Hospital upgrades 
Homecare expenses 
Quicker medical care 
Equipment 
Home renovation 
Vehicle conversion 
Miscellaneous 
Costs to recover physical health: 
Cover your loss of income 
Cover your spouse's income 
Mortgage payments 
Other debt 
Childrens' education expenses 
Business continuity expenses 
Other 
Funds to maintain financial health: 
Pay off mortgages, loan or other debt 
Vacation for you and your family 
Funds for early retirement 
Less available short term savings from other sources 
Lump sum requirements total: 
Your current critical illness insurance needs: