Dementia Insurance Coverage Analysis Calculator

Estimate dementia care coverage gap using projected need, premiums, fee drag, and stress-case costs.

Dementia insurance coverage analysis

Estimate Korean dementia and long-term-care coverage needs from MMSE score, lifestyle factors, assets, family support, existing dementia benefits, and care mode.

Dementia probability

61.0%

Risk level

very-high

0.69/100

Total care burden

₩81,220,000

Coverage gap

₩81,220,000

Coverage rate

0.0%

Recommended premium

₩15,750

Uses calculateDementiaInsuranceCoverage with Korean dementia stage, LTC grade, MMSE, lifestyle risk, inflation, care-mode burden, family support, and coverage-gap calculations. This English finance calculator calls the same Korean pure calculation module as the Korean page. KRW amounts, Korean thresholds, insurance rules, tax logic, and scenario assumptions are preserved instead of the old generic percentage stub.

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Dementia and long-term-care insurance guide

This English guide translates the Korean dementia insurance coverage analysis page. The calculator calls calculateDementiaInsuranceCoverage and keeps MMSE, lifestyle, LTC grade, care mode, inflation, and family-support assumptions.

Risk inputs

The calculator uses current age, gender, MMSE score, family history, smoking, hypertension or diabetes, obesity, regular exercise, social activity, and education level to estimate dementia risk.

The result reports cumulative incidence probability, risk level, risk score, risk factors, and expected onset age. These outputs come from the Korean dementia model rather than a generic old-age insurance table.

Care burden and LTC grade

Dementia costs are projected through mild, moderate, and severe dementia stages and Korean long-term-care insurance LTC grade assumptions. LTC grade 1 and 2 benefits, monthly nursing annuity, and diagnosis benefits are evaluated separately.

Care mode matters. Facility care, home care, and mixed care have different monthly burden assumptions, and the model applies inflation over the analysis period to show cumulative burden and coverage gap.

How to use the result

The output shows total cumulative burden, total insurance payout, coverage gap, coverage rate, recommended mild, moderate, severe, LTC, and monthly annuity benefits, plus income-ratio grade.

Family support and spouse support reduce practical pressure but do not erase care costs. Use the recommendation list to decide whether to add diagnosis benefit, monthly nursing annuity, or long-term-care grade coverage.