Are you and your family adequately insured?
Size your life, health, and critical illness cover based on income, dependents, and liabilities — not guesswork or agent pitches.
Individual calculators
Term Insurance Calculator India 2026 — How Much Cover Do You Need?
How much term insurance do you actually need in India? Calculate the real life-cover gap across three methods — HLV, income, expenses. Free, 2026.
Health Insurance Calculator India — Is Your Sum Insured Enough?
Is your health cover enough for a real Indian hospitalisation? Check sum insured vs metro costs, flag room-rent sub-limit risk. Free, 2026.
Policy Quality Checker India - Audit Your Health Insurance
Audit an existing Indian health insurance policy for hidden claim traps: room-rent caps, co-pay, deductibles, waiting periods, exclusions, network, renewability, and claim-shock leakage.
Should I Surrender My LIC / ULIP / Endowment Policy? — Calculator
Compare three futures — keep paying, freeze (paid-up), or surrender and invest — for your LIC, ULIP, endowment, or guaranteed-return policy. Tax and term-cover replacement built in.
What insurance breaks when you change jobs? — Employer Cover Gap Calculator
Quantify the protection you'll lose when you resign — health, term, CI, PA, maternity — across spouse, kids, and parents. Get a numbered action checklist with target weeks-before-resignation timing.
Insurance Premium Calculator India 2026 — Lifetime Cost After Tax
What will a policy really cost you? See lifetime premium, 80D/80C tax savings, and the opportunity cost of every rupee. Free India 2026.
Critical Illness Cover Calculator India — Do You Actually Need It?
Do you need critical illness cover? See the gap after health + savings, your personal risk score, buy/skip verdict. Free India 2026.
Head-to-head comparisons
ULIP vs MF + Term — Which Actually Builds More Wealth?
ULIP vs MF + Term — which actually builds more wealth? Side-by-side 20-year charge drag, effective returns, and the verdict. Free India 2026.
Term vs Return of Premium — Is the Refund Worth the Extra Cost?
Pure term + invest the difference vs Return of Premium — which actually ends richer? Free calculator with Indian term premiums and inflation-adjusted refund.
Base vs Super Top-Up: What's the Cheapest Way to Reach ₹40L Health Cover?
Single high base policy or smaller base + super top-up stack — which is cheaper for the same total cover? Free Indian calculator with cumulative premium savings.
Floater vs Individual Health Insurance: Which Is Cheaper for Your Family?
One shared floater pool or separate individual policies per member — which costs less AND protects each member fully? Free Indian calculator for family health cover with coverage-parity comparison.
Employer Health Insurance vs Personal: Do You Need Both?
You already have employer group health cover. Do you still need personal insurance? Free Indian calculator that models total cost to life expectancy — not just this year's premium.
Personal Accident vs Term Insurance: Cheaper Isn't Enough
Personal Accident premiums look cheap vs term — but PA only pays on accidental death and disability. 80% of death causes leave your dependents uncovered under PA-only. Free Indian calculator with coverage-share math.
How to use this cluster
Insurance is the one financial product you buy hoping never to use. These tools help you figure out the right amount of cover, separate insurance from investment (ULIP vs MF+Term), and check whether your existing policies leave dangerous gaps. The adequacy hub pulls it all together into a single coverage score.
Guided flow
Prefer a guided walkthrough?
Walk through every input of this cluster in one place with the dedicated adequacy hub. Your inputs sync with the individual calculators on the platform.
Open the hubReference
Plain-English definitions of the terms you will meet while buying or renewing a policy.
Frequently asked
FAQ
The follow-up questions people usually ask after the main recommendation is already clear.
How much term insurance do I actually need?
10-15x annual income is the IRDAI guideline, but the real answer depends on outstanding loans, dependent expenses, and how many earning years remain. The term insurance calculator factors all three.
Is ULIP a good investment?
ULIPs combine insurance and investment with higher charges. For most people, buying a pure term plan and investing separately in mutual funds costs less and builds more wealth. The ULIP vs MF+Term comparison page shows exactly how much.
Do I need critical illness cover if I have health insurance?
Health insurance covers hospital bills. Critical illness cover pays a lump sum on diagnosis — for income replacement, lifestyle changes, and non-medical costs. They serve different purposes.