Insurance Calculators

Indicative recommended health-cover for an Indian household — based on city tier, age of oldest member, family size, and existing employer cover, with a medical-inflation projection.

Indicative term-cover estimate using the Human Life Value and expense-replacement methods — from income, years to retirement, outstanding loans, existing investments, and existing life cover.

Indicative internal rate of return on a ULIP after premium allocation, mortality, fund management, and policy administration charges — under illustrative gross return scenarios.

Total lifetime premiums paid, inflation-adjusted, versus the cover amount payable in the mortality-event scenario.

Track accumulated NCB on your motor policy, the effective own-damage premium, and the cross-over where claiming small is worse than paying out of pocket.

Estimate the Insured Declared Value (IDV) of your car or two-wheeler using the IRDAI depreciation schedule. Indicative only, not a quote.

Indicative tax savings on health-insurance premium under Section 80D — self, family, parents, senior citizens, and preventive health check-up. Old vs new regime ready.

At what invested corpus does self-insurance for routine medical expenses beat buying a low-sum-insured policy?

Indicative cost comparison of a family floater versus separate individual policies given your family mix.

What your current sum insured is worth in real terms in 10, 20, and 30 years under different medical-inflation scenarios.