Insurance Tools
Free Insurance Calculators
Estimate life insurance coverage, health insurance premiums, car insurance costs and plan your complete insurance portfolio. All calculators are free, instant, and require no signup.
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Calculators
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🛡 Life Insurance
❤ Health Insurance
🚗 Car Insurance
✈ Travel Insurance
📋 Term Insurance
🔐 Coverage Need
💵 Insurance Cost
👪 Family Planner
⚖ Plan Comparison
⚠ Risk Assessment
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Life Insurance Calculator
How much life insurance coverage does your family need?
15Y
Rule of Thumb: Life cover = 10× annual income minimum
DIME Method: Debt + Income replacement + Mortgage + Education
DIME Method: Debt + Income replacement + Mortgage + Education
Enter details and click Calculate
Health Insurance Premium Calculator
Estimate your health insurance premium based on age, members & sum insured
35y
Recommendation: Minimum ₹5L for individuals, ₹10L for families in metro cities
Tip: Buy young — premiums are 60–70% lower in your 20s vs 50s
Tip: Buy young — premiums are 60–70% lower in your 20s vs 50s
Enter details and click Calculate
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Car Insurance Premium Calculator
Estimate car insurance premium based on vehicle value, age & coverage type
2y
IDV: Insured Declared Value = Car value after depreciation (basis for claims)
NCB: No Claim Bonus — reward for not making claims
NCB: No Claim Bonus — reward for not making claims
Enter car details and click Calculate
Travel Insurance Calculator
Estimate travel insurance cost based on destination, duration & coverage
2
7d
Why buy travel insurance? A medical emergency abroad can cost ₹5–50L+. Travel insurance costs just ₹200–2,000 for full trip protection.
Enter trip details and click Calculate
Term Insurance Calculator
Estimate annual premium for term life insurance based on age, cover & tenure
30y
30Y
Best time to buy: In your 20s — a ₹1Cr policy at age 25 costs ~₹8,000/yr vs ~₹18,000/yr at age 35
Claim Settlement Ratio: Always check CSR before buying (aim for 98%+)
Claim Settlement Ratio: Always check CSR before buying (aim for 98%+)
Enter details and click Calculate
Insurance Coverage Need Calculator
Find your ideal insurance coverage across all categories
80–20 Rule: 80% of your coverage need should be term life insurance; 20% in health & other covers
Enter details and click Calculate
Annual Insurance Cost Estimator
Estimate your total annual insurance spend across all policies
Benchmark: Insurance premiums should be 3–5% of annual income
Over-insured > 8% | Under-insured < 2%
Over-insured > 8% | Under-insured < 2%
Enter your insurance premiums
Family Insurance Planner
Complete insurance plan recommendation for your family based on income & life stage
35y
Enter family details and click Calculate
Insurance Plan Comparison
Compare two insurance plans side by side — find the better value
PLAN A
PLAN B
Key metrics: Higher CSR = better claim reliability | Lower premium for same cover = better value | More network hospitals = easier cashless treatment
Enter both plan details and click Compare
Personal Risk Assessment Calculator
Assess your personal risk profile and find out how much insurance you truly need
Answer questions and click Calculate
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⚠️
Indicative estimates only. All insurance premium calculations are approximate estimates for planning purposes. Actual premiums depend on insurer underwriting, medical history, and policy terms. Always consult a licensed insurance advisor before purchasing any policy. Read full disclaimer →