Separate medical-risk reserves from resources already available
The tool estimates the gap between a household's desired medical/recovery reserve and available cash, insurance, or other resources.
How to read the result
A gap does not automatically mean a specific policy is inadequate; some risks can be self-funded while others may be transferred.
Practical scenario: Compare a smaller short-term hospitalization case with a larger income-interruption case instead of relying on one universal amount.
What the estimate does not include
Actual medical costs, NHI coverage, and insurance claims vary by case and contract.
Treat the result as a range for further verification, then check the original contract, financial institution, or responsible authority before making a material financial decision.