Right-size your term life and health insurance. No agents, no upsell — just the numbers you need.
Life stage
Your total yearly cost of living
Home loan, car loan, personal loans
Kids' college, wedding, etc.
Investments only — not house or car
Life stage
Your total yearly cost of living
Home loan, car loan, personal loans
Kids' college, wedding, etc.
Investments only — not house or car
Recommended cover
₹1.25 Cr
term life cover
0.5% of cover — don't overpay beyond this
Until financial independence
How this is calculated
Buy term-only insurance, not ULIP or endowment plans. Term plans give you pure life cover at a fraction of the cost. ULIPs mix insurance with investment — both arms end up performing poorly. Keep them separate.
City tier
Family size
The modular stack
Base policy — ₹5L
~₹8.0K–₹15.0K/yr
Covers room rent caps, first deductible layer, and small hospitalisation claims.
Super top-up — ₹95L
~₹3.0K–₹6.0K/yr
Deductible: ₹5L (matched to base policy). Activates for big-ticket hospitalisation — ICU, surgery, cancer treatment.
Recommended purchase
Buy: ₹5L base policy + ₹95L super top-up
Super top-up deductible: ₹5L — matched to your base policy so there is no gap.
Base ~₹8.0K–₹15.0K + Top-up ~₹3.0K–₹6.0K
₹1 Cr of cover for ~₹11.0K–₹21.0K/year
Indicative estimates only. Actual premiums vary by insurer, health status, and underwriting. Always read the policy document before buying.