Your Health Fund Profile
A quick financial checkup to estimate the funding you may need for your family's daily expenses and medical treatment and recovery.
1. Your household finances
Start with the money your family depends on today.
₱
Average take-home or business income.
₱
Expenses that continue even if you cannot work.
How long you want daily family expenses to remain funded if you cannot work.
2. Your existing protection
Enter current benefit amounts or coverage limits, not premiums paid.
₱
Annual medical benefit or relevant coverage limit.
₱
Current lump-sum benefit for covered critical illnesses.
₱
Benefits designed to replace income while alive and unable to work.
₱
Shown for context; not credited to either living-with-illness fund.
How would you primarily use your Critical Illness benefit?
BothDaily + medical
Daily expensesIncome fund
Medical & recoveryHealth fund
CustomizeSet allocation
Important distinction: life insurance mainly addresses the death scenario. This calculator focuses on what can remain financially exposed when you survive a serious illness.
3. Your emergency savings
Tell us how much of your savings you would actually be willing to use if a serious illness happens.
₱
Liquid savings you currently have available for emergencies. Enter 0 if you have none.
How much of your emergency savings would you be willing to use for your Health Fund?
NonePreserve savings
50%Recommended
100%Use all
CustomSet percentage
Recognized Health Fund savings buffer: ₱0
Where should this amount help?
Daily expensesIncome fund
BothFlexible 50/50
Medical & recoveryHealth fund
CustomizeSet allocation
The recognized amount is allocated once between Income Protection and Health Protection. It is never counted twice.
4. Set your Health Protection target
Choose the planning level that best reflects how much medical treatment and recovery funding you want available for a major illness.
Planning target for hospitalization, surgery, diagnostics, treatment and related medical costs.
Additional planning reserve for rehabilitation, follow-up care, medicines and other health-related recovery costs.
Planning assumption: these are financial planning targets, not predictions of actual medical costs. Actual costs vary by illness, treatment, hospital, physician and insurance benefits.
Your Health Fund Gap
A planning estimate based on the information and assumptions you provided.
Prepared for: Not provided
Report date:
Report date:
Estimated Health Fund Gap
₱0
Your Health Fund has two jobs: keep daily family expenses funded and help pay for medical treatment and recovery.
Income Protection Gap
₱0
Income Protection Need₱0
Existing credited protection₱0
Health Protection Gap
₱0
Health Protection Need₱0
Existing credited protection₱0
Health Protection breakdown
Medical Treatment Fund₱0
Medical Recovery Fund₱0
HMO / Medical insurance credited₱0
Critical illness credited₱0
Savings buffer credited₱0
Health Fund Readiness Score
0 / 100
Income Protection0 / 100
Health Protection0 / 100
50% Income Protection adequacy + 50% Health Protection adequacy.
Your Biggest Protection Gap: —
Build Your Health Fund
Now that you know your gap, let's look at how you can fund it—so a serious illness doesn't have to drain your savings or disrupt your family's finances.