Medical Fund / Critical Illness
Coverage you'd need to keep paying the bills while not earning, plus out-of-pocket treatment.
Inputs
How this is calculated
Total need = monthly expenses × recovery months + out-of-pocket costs. Coverage gap = Total need − existing coverage.
Estimate
Suggested CI coverage
HK$1,440,000
Living-expense need: HK$1,440,000
Total need: HK$1,940,000
For information only. Not advice, recommendation, or solicitation. Data has not been independently verified — always verify directly with the authorised intermediary or fund provider before making decisions.