Medical Expense Risk Calculator

Know how much a

major medical event

could cost you.

Take this quick 2-minute calculator and get an estimated medical expense gap based on your possible hospital bills, treatment costs, recovery expenses, income loss, HMO, PhilHealth, savings, and existing coverage.

No pressure.

No commitment.

Just a simple way to see if you are financially prepared for a serious illness or medical emergency.

Choose a medical event estimate *Choose a medical event below. The calculator will use a sample planning estimate as a starting point. Actual costs may be higher or lower depending on hospital, doctor, treatment, complications, medicines, and recovery needs.Cancer treatmentHeart attack / heart procedureStrokeKidney disease / dialysisMajor accidentMajor hospitalizationGeneral critical illness estimateNot sure yet

Sample planning estimates used by this calculator:

Cancer treatment: ₱1,500,000

Heart attack / heart surgery: ₱1,000,000

Stroke: ₱750,000

Kidney disease / dialysis, 1 year: ₱750,000

Major accident: ₱500,000

Critical illness in general: ₱1,000,000

Not sure / general estimate: ₱1,000,000

These are sample planning estimates only. Actual medical costs may be higher or lower depending on the hospital, doctor, treatment, medicines, complications, recovery period, and existing benefits.

Additional Medical Cost You Want to AddOptional: Add any extra amount you want to include beyond the sample estimate.

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Follow-up Medicine and Recovery CostInclude medicines, checkups, therapy, laboratory tests, transportation, caregiver support, and other recovery-related expenses.

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Monthly Income *

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How many months might you be unable to work? *Estimate the number of months you may need to stop working or reduce work because of treatment and recovery.

Estimated PhilHealth BenefitEnter 0 if you are not sure.

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HMO Coverage LimitEnter the amount your HMO may cover. If none, enter 0.

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Existing Critical Illness CoverageEnter the amount you may receive from an existing critical illness insurance plan. If none, enter 0.

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Available Savings for Medical Emergency

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Your Estimated Medical Expense Result

These numbers will update based on the information you entered above.

Recovery Income Loss

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Total Medical Risk Cost

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Existing Medical Protection

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Estimated Medical Expense Gap

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What this means

Your Estimated Medical Expense Gap is the possible amount you may still need after considering your PhilHealth estimate, HMO limit, critical illness coverage, and available medical savings.

This gap may include hospital bills, treatment costs, medicines, follow-up checkups, recovery expenses, and income loss while you are unable to work.

This calculator is only an educational estimate. It is not a final financial recommendation, insurance proposal, medical advice, or investment advice. Your actual cost may be higher or lower depending on your diagnosis, hospital, doctor, treatment plan, health condition, and existing benefits.

Book a Free Financial Planning Consultation

Book a Free Financial Planning Consultation