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Term Insurance | Health Insurance | Car Insurance | Life Planning
Term Insurance
Health Insurance
Car Insurance
Child Education
Calculator Mode
Term Insurance (HLV)
Human Life Value method — estimate how much cover you actually need.
Recommended Cover
₹1.20 Cr
Based on current inputs
Coverage Gap
₹1.20 Cr
vs. existing cover of ₹0
Est. Annual Premium
₹12,000
Approximate indicative cost
🛡️
Term Insurance
Pure life cover at low premiums. Protect your family's income for decades. Use the HLV calculator below to find your exact requirement.
Recommended Term Plans
Most Popular
Best Term Plan
₹1 Cr
Pure protection — maximum cover at minimum premium.
- Critical illness rider available
- Tax benefit under 80C
- Claim settlement >95%
High Cover
Premium Term Plan
₹2 Cr
For high-income earners with significant liabilities.
- Accidental death benefit
- Income payout option
- Return of premium add-on
Combo
Term + Health Combo
₹50 L + ₹10 L
Bundled life and health cover for complete protection.
- Single premium payment
- Family floater health included
- Waiver of premium on disability
✔ IRDAI compliant partners ✔ Claim support included ✔ No spam guarantee
🏥
Health Insurance
Cover hospitalisation, critical illness and medical inflation. Don't let one bill wipe your savings.
Recommended Health Plans
Family Favourite
Family Health Plan
₹10 L
Floater plan covering the entire family with no-claim bonus.
- Day-care procedures covered
- No room-rent capping
- Restoration benefit
Best Value
Individual Health Plan
₹5 L
Individual cover with comprehensive benefits.
- OPD cover available
- Maternity add-on
- Annual health check-up
Premium
Super Top-Up Plan
₹90 L
Kicks in after ₹10 L deductible — catastrophic cover at low cost.
- Highest cover per rupee
- Existing policy compatible
- Covers pre-existing post waiting
✔ IRDAI compliant partners ✔ Claim support included ✔ No spam guarantee
🚗
Car Insurance
Comprehensive and zero-dep car plans. Renew on time and stay legally protected on every road.
Recommended Car Plans
Best Value
Zero Dep Car Plan
Full Cover
Comprehensive cover + zero depreciation add-on for new/newer cars.
- Zero-depreciation on parts
- Roadside assistance
- NCB protection
Standard
Comprehensive Car Plan
IDV Based
Standard comprehensive plan covering own damage and third party.
- Own damage cover
- Third-party liability
- Personal accident cover
Legal Must-Have
Third Party Only
TP Cover
Mandatory by law — covers third-party liability and injury.
- Third-party property damage
- Bodily injury to third party
- Personal accident cover for owner
✔ IRDAI compliant partners ✔ Claim support included ✔ No spam guarantee
🎓
Child Education Planner
Plan today to fund your child's education goal with the right savings target and life cover.
Recommended Child Plans
Most Popular
Child Education Plan
Goal Linked
ULIP-based child plan — invest now, collect at college entry.
- Waiver of premium on parent death
- Corpus guaranteed at maturity
- Partial withdrawal allowed
Safe & Steady
Endowment Child Plan
Guaranteed
Traditional plan with guaranteed maturity benefit and bonus.
- Guaranteed sum assured
- Annual bonus addition
- No market risk
Flexible
SIP + Term Combo
Market Linked
Invest in SIP for growth + term insurance for protection.
- Higher potential returns
- Full life cover for parent
- Flexible investment amount
✔ IRDAI compliant partners ✔ Claim support included ✔ No spam guarantee
Recommended Cover
Live Calc
₹1,20,00,000
⚠ Premium increases every birthday — lock your price now
Based on your income, expenses and liabilities — this is the minimum cover your family needs to maintain their lifestyle.
Gross Requirement
₹1.20 Cr
Coverage Insights
HLV BasisYour Human Life Value is estimated from income, expenses, and remaining earning years.
Premium EfficiencyAt your age, term plans offer maximum cover per rupee of premium.
Action RequiredTalk to an advisor to compare plans and lock in your premium before your next birthday.
70%
Indians Are Underinsured
Most families carry less than 10% of the life cover they actually need. Don't be a statistic.
12–15%
Medical Inflation Per Year
A ₹5L health cover today may only be worth ₹2L in real terms a decade from now. Plan ahead.
1 Bill
Can Wipe Out Savings
A single hospitalisation can cost ₹2–10 lakhs. Without cover, your wealth goals collapse overnight.
🤖 AI Insurance Advisor
Tell us about yourself — get instant coverage recommendations.
Your Suggested Coverage
Term Cover₹1.20 Cr
Health Cover₹10 L
Car PlanComprehensive
Annual Budget₹24,000
These are AI-generated estimates based on standard actuarial assumptions.
Get a personalised plan from our advisor for exact quotes.