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.
Tools in this cluster
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.
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.
Comparison pages
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
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Walk through every input of this cluster in one place with the flagship hub. Your inputs sync across every tool on the platform.
Open the hubFrequently 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.