Insurance Cost Estimator

Estimate life and health insurance needs for your growing family.

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How to Use the Insurance Cost Estimator

Estimate life and health insurance needs for your growing family.

1. Enter

Add the details requested in the form. Use the most recent measurements, dates, or figures you have.

2. Review

Read the result together with the notes below it. Estimates are most useful when you compare them with your own context.

3. Act

Save the result, try a related tool, or speak with a doctor, lactation consultant, childcare provider, or financial adviser when needed.

Singapore note: check your estimate against Baby Bonus, CDA, MediSave, CPF, ECDA subsidy, and employer benefit rules before making financial decisions.

Medical Disclaimer: This tool is for educational and informational purposes only. It does not provide medical advice, diagnosis, or treatment. Results are estimates only. Always consult a qualified healthcare professional for medical decisions. In an emergency, call 995 (Singapore) immediately.

Child Insurance in Singapore: What You Need

Integrated Shield Plan (IP)

MediShield Life covers basic hospitalisation. An IP tops up to Class B1 or A ward, with or without a rider. All SC babies are auto-enrolled in MediShield Life at birth.

Critical Illness (CI) Rider

Pays a lump sum if your child is diagnosed with a listed condition (cancer, heart defect, etc.). Premium locks in at birth - Cheapest to buy young.

Whole Life Policy

Permanent coverage with cash value. Child policies often include a CI multiplier until age 70. Premium waiver if parent dies.

Personal Accident

Covers fractures, burns, accidental death. Inexpensive (SGD 100–200/yr). Good supplement for active toddlers.

Family Finance & Insurance Guide →