Health Protection Calculator

Health Assessment

How much protection
do you actually need?

Takes 2 minutes. No personal information stored.

About You

Your Coverage

Your HMO is designed for routine health expenses — checkups, ER visits, and hospitalisation. It does not cover critical illness.

Est. Annual Health Cost
HMO Coverage
Regular Health Gap
Coverage Rate

Important: Even if your HMO covers 100% of your routine costs, it covers ₱0 of any critical illness diagnosis. Cancer, stroke, and heart attack treatment require a completely separate layer of protection.

⚠ Critical Illness: NOT Covered by HMO

Your Critical Illness Exposure

Based on your profile, here is your real financial exposure if a major illness strikes — regardless of your HMO status.

Highest risk based on your profile
Estimated treatment cost (Philippines)
Income loss during recovery (6–12 months)
Amount your HMO covers for this ₱0
Your total out-of-pocket exposure
Recommended minimum CI coverage

With FWD's Major Critical Illness benefit, your full sum assured is paid each time a major illness is diagnosed — up to 3 separate claims throughout your policy.

Example: A policy pays you in cash upon each diagnosis — directly to you, not the hospital. Recover, get diagnosed with a different major illness later, and you claim again.

  • ✅ Cash goes directly to you — for treatment, mortgage, daily expenses, caregiving
  • ✅ Each major illness is a separate claim — up to 3 lifetime claims
  • ✅ Maximum lifetime benefit:
  • ✅ Premiums waived from diagnosis — for the rest of your policy term
  • ✅ Your family keeps their lifestyle while you focus on healing
Sum Assured Per Illness Claim Max Lifetime Benefit Best For
₱500,000 ₱500,000 ₱1,500,000 (3 claims) Stroke and early-stage illness
₱1,000,000 ₱1,000,000 ₱3,000,000 (3 claims) Heart attack and early cancer
₱2,000,000 ₱2,000,000 ₱6,000,000 (3 claims) Advanced cancer full coverage

"Your HMO is for the hospital stay.
Critical Illness coverage is for the life you need to rebuild after."

These are estimates — but they reveal something worth addressing. Let's look at your actual numbers together.

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