🏥 Health Protection

Medical Risk Reserve Gap Calculator

Estimate a medical-event funding gap after current insurance and cash reserves.

Enter your assumptions

This calculator is for financial math and protection-gap scenarios only. It is not an insurer quote, underwriting decision, or claim determination.

Estimated out-of-pocket medical cost

Monthly household income gap during recovery

Months of income disruption

Existing health / lump-sum insurance benefits

Available medical cash reserve

Estimated medical-event funding gap

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Medical cost assumption—

Income disruption need—

Existing cover + cash—

Disruption period—

Do not use this result as a substitute for policy terms, formal insurer illustrations, or professional advice.

What is this tool for?

It converts household obligations or policy cash flows into comparable scenarios. It does not recommend an insurer, product, or coverage amount.

Next step

For an existing policy, request current surrender value, policy value, loan rate, and contract-change illustrations from the insurer before making a formal decision.