A medical reserve means setting aside money in advance for your future medical premiums (especially VHIS), so that after you retire and no longer have a salary, you're not troubled by premiums that rise every year. The core idea: instead of paying year by year for life, prepare while you're young and earning so the premium is “taken care of.” This tool works out your lifetime premium from now to age 99 so you know how big the burden is.

The lifetime premium = every year's VHIS premium from your current age all the way to 99, added together. Because premiums rise with age and are pushed up by medical inflation, the later you calculate, the bigger the total. This tool projects year by year from your chosen plan's actual premium table, then applies your chosen inflation rate, showing both an “at today's premium” and a “with inflation” lifetime total.

VHIS premiums are banded by age — they typically accelerate noticeably after 40, and rise even faster each year after 50–60. That is the premium-by-age increase. A monthly premium that looks cheap when you're young can be several times higher by retirement for the same plan. This tool's year-by-year premium table shows what your chosen plan costs at each age.

After retirement you no longer have a salary, but medical needs are usually higher and public-hospital waits are long, so many people need VHIS even more. The catch: premiums are highest after retirement, with no income to pay them. Building a medical reserve early is about making those retirement premiums “taken care of,” so you're not stressed by premiums — or forced to drop cover — exactly when you need protection most.

Yes — the two are really just different names for the same idea: preparing a fund while you're young and able, to cover your future (ever-rising) medical premiums, so you don't pay year by year for life and retirement is taken care of. Some call it “medical financing,” others a “medical reserve” — same concept. This tool first shows you how big your lifetime premium is; how to actually prepare varies by person and needs a proper needs analysis.

The premium figures come from the actual premium table your chosen plan files with the regulator; “with inflation” is an illustrative year-by-year projection at the inflation rate you pick (you can reference the VHISGuide Premium Index's roughly 2.53% average annual rise over recent years), for reference only. Actual premiums follow the insurer's documents; any specific medical-reserve plan figures can only be provided after a completed needs analysis.