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It's a Tuesday evening, and the dinner table conversation is about school fees, maybe planning the December holiday. The everyday math of running a family. Critical illness insurance doesn't come up, because why would it? Nothing's wrong. That's exactly the gap a 2026 Singlife study puts a number on. The average shortfall between what a critical illness actually costs a family and what their coverage pays out comes to around $170,000. Not because people don't have insurance.