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Insurance & Protection · Health & Medicare

Critical Illness Insurance Calculator

Short answer: What does the Critical Illness Insurance Calculator calculate?

The Critical Illness Insurance Calculator works out recommended critical illness coverage, lost income not replaced and medical Out-of-Pocket costs. Estimate the lump sum you would need to get through a serious illness such as cancer, heart attack or stroke. It uses US rules and USD, and it is free to use on this page.

Updated · Applies to the United States (US rules, USD)

  • Free to use here · embed on the Business plan
  • 8 inputs · 6 results
  • Works in 6 languages
  • Uses US rules and USD

Try the Critical Illness Insurance Calculator

See the lump sum that would cover a serious illness — results update as you type.

See all 12 themes
Theme
Mode

Ledger · Free on every plan · The classic CalcFunnel card: gradient results header, clean panels.

Loads from app.calcfunnel.com when you scroll here.

Estimates only — not a loan offer or financial advice. Switch theme and light/dark above to see how it could look on your site.

Put this calculator on your website

What this calculator does

What the Critical Illness Insurance calculator works out

The Critical Illness Insurance Calculator is a free, embeddable calculator from CalcFunnel. Estimate the lump sum you would need to get through a serious illness such as cancer, heart attack or stroke.

You enter 8 inputs: monthly take-home pay, months off work, income replaced by disability cover or sick pay (%), medical Out-of-Pocket costs, extra monthly costs, one-time costs, emergency savings you would use and existing critical illness coverage.

It returns recommended critical illness coverage, lost income not replaced, medical Out-of-Pocket costs, extra & one-time costs, total cost of the illness and less: savings & existing coverage.

Built for insurance agents and benefits advisors. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Insurance & Protection category.

Results it shows

  1. 01Recommended Critical Illness Coverage
  2. 02Lost Income Not Replaced
  3. 03Medical Out-of-Pocket Costs
  4. 04Extra & One-Time Costs
  5. 05Total Cost of the Illness
  6. 06Less: Savings & Existing Coverage

The first figure — recommended critical illness coverage — is the headline result.

Inputs

What you can change

Every field visitors can adjust, straight from the calculator, with the same help text they see on the info icon. Each one starts with a sensible default, and the 6 results update as they type.

Income During Recovery

Monthly Take-Home Pay
Your household's monthly pay after taxes from the person who would be ill.
Months Off Work
How long you might be unable to work during treatment and recovery. A caregiver's lost work time can be added too.
Income Replaced by Disability Cover or Sick Pay (%)
The share of your pay that disability insurance, sick leave or other benefits would replace while you are off work. Enter 0 if you have none.

Medical & Extra Costs

Medical Out-of-Pocket Costs
What you would pay for treatment — usually up to your health plan's out-of-pocket maximum, plus anything it does not cover. A serious illness can span two plan years.
Extra Monthly Costs
Travel to treatment, lodging, childcare, home help and other costs that start because of the illness.
One-Time Costs
Home modifications, medical equipment, experimental treatment or travel to a specialist center.

Resources

Emergency Savings You Would Use
Savings you are willing to spend on this, while keeping a reserve for other emergencies.
Existing Critical Illness Coverage
Lump-sum critical illness or cancer coverage you already have, for example through work.

Definitions

Critical Illness Insurance terms, defined

The terms this calculator uses, in plain words. The same definitions appear inside the calculator for your visitors.

Critical illness insurance
A policy that pays a tax-free lump sum when you are diagnosed with a covered condition, commonly cancer, heart attack, stroke, kidney failure or a major organ transplant. You can spend the money on anything: medical bills, the mortgage, travel to treatment or replacing lost pay. Each policy defines which conditions and how severe they must be.
Lost income not replaced
Take-home pay for the months off work, minus the share that disability insurance, sick leave or other benefits would pay. $5,000 a month for 6 months with 60% replaced leaves a $12,000 gap. Short-term disability often has a waiting period, so the first weeks may be unpaid.
Medical out-of-pocket costs
Deductibles, coinsurance and copays you pay even with health insurance, up to the plan's out-of-pocket maximum each year, plus non-covered or out-of-network care. Treatment that crosses into a new plan year can mean paying the maximum twice.
Extra costs of an illness
Costs health insurance does not pay: gas, parking and lodging for treatment, childcare, meals, home help and modifications such as ramps or a stair lift. They often add up to hundreds of dollars a month during treatment.
Survival period
Many policies require you to live a set number of days, often 14 to 30, after diagnosis before the benefit is paid. Some also have a waiting period after the policy starts during which a diagnosis is not covered.
Lump-sum benefit
The policy pays its face amount at once rather than reimbursing bills. Some policies pay a partial benefit for less severe conditions, such as early-stage cancer, and may allow a second claim for a different condition.
Critical illness vs. disability insurance
Disability insurance replaces part of your income for as long as you cannot work, for almost any illness or injury. Critical illness insurance pays one lump sum for specific diagnoses whether or not you stop working. Many people use critical illness cover to fill the gaps disability and health insurance leave.

For your website

How it looks on your site

Put the Critical Illness Insurance Calculator on your own site with your colors, copy and lead form, in whichever of these five ways suits the page. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

  • Inline, without an iframe

    Paste the snippet where the Critical Illness Insurance Calculator should appear. It renders into your page, fills the width of its container and grows to fit.

    Best for: Landing pages, blog posts, calculator pages

  • Popup button

    A button sits on your page; one click opens the calculator in a popup over it.

    Best for: Pricing sections, hero areas, listings

  • Floating corner widget

    Paste once (or in your site-wide footer code) for a floating bubble in the corner of every page.

    Best for: Site-wide, always one click away

  • Your own link or button

    Give any existing link, button or image a class and it opens the calculator when clicked.

    Best for: Menus, images, in-text links

  • Direct link

    A full-page link to the calculator for emails, social posts, QR codes or a menu item.

    Best for: Email, social, print, QR codes

Start free How embedding works

Free plan, no card. 14-day trial on Pro & Business.

Widgets

Use it in a widget

Group the Critical Illness Insurance Calculator with up to 11 other calculators in one widget: a floating launcher, tabs, a row of buttons or a card grid. Widgets per plan: Free 1, Pro 10, Business unlimited.

  • Floating launcher widget, Classic bubble design: Round launcher with a soft pulse and a clean list.

    Floating launcher

    A bubble in the corner of every page opens a menu of your calculators.

    6 ready-made designs

  • Tabs widget, Underline design: Text tabs with an animated underline.

    Tabs

    Calculators side by side in one block on the page, switched with tabs.

    6 ready-made designs

  • Buttons widget, Solid design: Filled buttons in your brand color.

    Buttons

    A row of buttons; each one opens its calculator in a popup.

    6 ready-made designs

  • Cards grid widget, Elevated design: White cards with a soft shadow and lift.

    Cards grid

    A grid of cards with an icon and a short blurb; click to open the calculator.

    6 ready-made designs

See every widget design

FAQ

Critical Illness Insurance calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the Critical Illness Insurance Calculator calculate?
Estimate the lump sum you would need to get through a serious illness such as cancer, heart attack or stroke. It returns recommended critical illness coverage, lost income not replaced, medical Out-of-Pocket costs, extra & one-time costs, total cost of the illness and less: savings & existing coverage.
Q.02What information do I need to use the Critical Illness Insurance Calculator?
You enter 8 inputs: monthly take-home pay, months off work, income replaced by disability cover or sick pay (%), medical Out-of-Pocket costs, extra monthly costs, one-time costs, emergency savings you would use and existing critical illness coverage. Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Monthly Take-Home Pay” mean in the Critical Illness Insurance Calculator?
Your household's monthly pay after taxes from the person who would be ill.
Q.04What does “Months Off Work” mean in the Critical Illness Insurance Calculator?
How long you might be unable to work during treatment and recovery. A caregiver's lost work time can be added too.
Q.05Is the Critical Illness Insurance Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website needs the Business plan (from $210/month, with a 14-day free trial), which unlocks the Insurance & Protection category. Compare plans.
Q.06Can I embed the Critical Illness Insurance Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Can I change how the Critical Illness Insurance Calculator looks?
Yes. Choose from 12 themes, each in light and dark, then set your own brand colors and font. Ledger, Minimal, Compact come with every plan; the others unlock on Pro and Business.
Q.08Is the Critical Illness Insurance Calculator available in other languages?
Yes. It works in English, Spanish, Simplified Chinese, Korean, Vietnamese and Arabic, with a right-to-left layout in Arabic. Labels, tooltips, results and definitions are translated, visitors can switch language inside the calculator, and amounts stay in US dollars and US number format.
Q.09Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.10Are the Critical Illness Insurance results financial advice?
No. Estimates only. Based on the income, costs and recovery time you enter; it does not predict how likely an illness is or how long recovery takes. Critical illness policies pay a lump sum only for the conditions and severity defined in the policy, often after a waiting or survival period, and premiums depend on the insurer, your age and health. This is not a substitute for health or disability insurance. Consult a licensed insurance professional.

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