As a general rule of thumb, since recovery from a critical illness typically takes 2 to 3 years, it is recommended to have a critical illness coverage amount of at least 2 to 3 times your annual income.

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When deciding on the coverage amount, you can also consider the following factors based on your individual needs:

• How much money would you need to maintain your daily expenses during your illness?
• How much liquid assets and other sources of income do you have?
• Is your health insurance coverage sufficient?
• Inflation

Want a personalized recommendation? You can use our ‘Personalized Recommendation’ tool designed by actuaries or contact our Product Specialists via WhatsApp