Insurance Calculator

Term Life Calculator

Calculate your ideal life insurance coverage amount

🎂 Your Current Age30 Yrs

18 Yrs65 Yrs

💰 Annual Income₹10 L

₹3 L₹3 Cr

🏠 Outstanding Loans₹0

₹0₹1.5 Cr

👨‍👩‍👧‍👦 Dependants2

📅 Policy Term (Years)30 Yrs

10 Yrs40 Yrs

🚬 Smoker Status

♂♀ Gender

🛡️ Recommended Term Life Cover

₹1.50 Cr

Income replacement + liabilities + dependant buffer

~₹9,000Annual Premium

~₹750Monthly Premium

15×Income Multiple

Income Replacement

₹1.00 Cr

15× annual income for family sustainability

Loan Clearance

₹0

All outstanding home, car & personal loans

Dependant Buffer

₹50 L

₹25 L per dependant for education & care

Cover Till Age

60 Yrs

Policy term: 30 years

Estimated Annual Premium Breakdown

Base Cover Premium

₹7,500

Riders (ADB + WOP est.)

₹1,500

GST @ 18%

₹1,620

Expert Recommendation

A pure term plan with this cover size for 30 years is your most affordable protection. Always add an Accidental Death Benefit (ADB) rider and a Waiver of Premium rider. Compare HDFC Life Click 2 Protect, ICICI Pru iProtect Smart, and Max Life Smart Secure Plus for the best features and claim ratios.

Death Benefit — Full sum assured paid to nominee immediately on policyholder's demise

Income Replacement — Family receives lump sum to sustain lifestyle and meet all financial goals

Loan Payoff — All outstanding home, car, and personal loan EMIs instantly cleared for family

No Maturity Benefit — Pure term returns nothing on survival. Consider TROP variant if returns matter

Hospitalisation Not Covered — You must buy a separate health insurance policy for medical costs

Health Insurance

Find your ideal health cover based on city, family & hospital preferences

🎂 Your Age35 Yrs

18 Yrs65 Yrs

👨‍👩‍👧 Family Members to Cover3

1 (Self)8

🏙️ City / Location Tier

🏥 Preferred Hospital Type

⚕️ Pre-existing Conditions

📈 Healthcare Inflation (p.a.)10%

6%15%

🏥 Recommended Health Cover

₹15 L

Family floater · Metro · 3 members · Premium hospitals

~₹22,000Annual Premium

~₹7,333Per Member / Year

₹50 LWith Super Top-up

Base Cover (Floater)

₹15 L

All members share this sum insured

Super Top-up Plan

₹35 L

Kicks in after deductible — huge value

Room Rent Preference

No Cap

Avoid room rent cap policies always

PED Waiting Period

2–4 Yrs

Buy young — shorter waits for fewer PEDs

Premium Cost Drivers

Age & Member Loading

₹8,800

City & Hospital Type

₹6,600

Pre-existing Loading

₹0

GST @ 18%

₹3,960

Expert Recommendation

Buy a family floater now and add a super top-up for total effective cover at the lowest cost. Look for zero co-payment, no room rent cap, and unlimited restoration. Compare STAR Health Comprehensive, Niva Bupa ReAssure, and Care Health Supreme for the best value and network hospitals.

In-patient Hospitalisation — Room rent, surgeon fees, nursing, ICU, medicines fully covered

Pre & Post Hospitalisation — 30–60 days before and after discharge included

Daycare Procedures — Cataract, dialysis, chemo — no 24-hr admission needed

Cashless Treatment — Direct billing at 7,000+ network hospitals — no upfront payment

Pre-existing Diseases (Initial Period) — 2–4 year waiting period on all PED claims

Cosmetic / Elective Procedures — Not covered under standard health policies

Critical Illness Cover

Lump sum cover for cancer, heart attack, stroke & 60+ illnesses

🎂 Your Age35 Yrs

18 Yrs65 Yrs

💰 Monthly Income₹1.00 L

₹20K₹15 L

🏥 Existing Health Insurance₹5 L

₹0₹50 L

📅 Est. Recovery Period12 Mo

3 Mo36 Mo

🧬 Family History of Critical Illness

🚬 Smoker / Tobacco User?

🔬 Recommended Critical Illness Cover

₹25 L

60+ illnesses covered · lump sum paid on diagnosis

~₹9,500Annual Premium

~₹792Monthly Premium

12 MoIncome Loss Covered

Treatment Cost

₹10 L

Hospitalisation + specialist + surgery

Income Loss Buffer

₹12 L

Monthly income × recovery months

Lifestyle Adjustment

₹3 L

Home modifications, rehab, travel costs

Health Ins. Deductible

−₹5 L

Already covered by health policy

Cover Component Breakdown

Treatment Costs

₹10 L

Income Replacement

₹12 L

Lifestyle / Rehab

₹3 L

Expert Recommendation

CI cover complements your health plan — it's not a replacement. Health policy pays the hospital; CI pays YOU a lump sum on diagnosis so you can manage income loss, home adjustments, and specialist costs that health policies never cover. Best plans: ICICI Lombard iProtect Smart CI, HDFC ERGO Optima Secure, Max Life CI Rider.

Lump Sum on Diagnosis — Full cover paid immediately on first diagnosis, no hospital bills needed

60+ Illnesses Covered — Cancer, heart attack, stroke, kidney failure, major organ transplant & more

Income Replacement Freedom — Use payout for lost salary, home modifications, specialist travel — no restrictions

Early Stage Cancer May Be Excluded — Check if carcinoma in situ is covered — varies by insurer

30-Day Survival Clause — Most policies require survival for 30 days post-diagnosis before claim is paid

Term Life Calculator

Calculate your ideal life insurance cover

🎂 Your Age30 Yrs

1865

💰 Annual Income₹10 L

₹3 L₹3 Cr

🏠 Outstanding Loans₹0

₹0₹1.5 Cr

👨‍👩‍👧‍👦 Dependants2

📅 Policy Term30 Yrs

10 Yrs40 Yrs

🚬 Smoker?

🛡️ Recommended Cover

₹1.50 Cr

Income + loans + dependants

₹9,000Annual Premium

15×Income Multiple

60 YrsCover Till

Income Replacement₹1.00 Cr

Loan Clearance₹0

Dependant Buffer₹50 L

Monthly Premium₹750

Coverage Summary

Full death benefit to nominee

Income replacement for family

All outstanding loans cleared

No maturity/survival benefit

Medical costs not covered

Health Insurance

Find your ideal health cover amount

🎂 Your Age35 Yrs

1865

👨‍👩‍👧 Family Members3

🏙️ City Tier ⚕️ Pre-existing Conditions

🏥 Recommended Health Cover

₹15 L

Family floater · Metro · 3 members

₹22,000Annual Premium

₹50 LWith Top-up

Base Cover₹15 L

Super Top-up₹35 L

Premium / Year₹22,000

Per Member₹7,333

Coverage Summary

Hospitalisation & surgery

Pre & post hospitalisation

Cashless at 7,000+ hospitals

Daycare procedures included

PED waiting period applies

Critical Illness

Lump sum cover for 60+ critical illnesses

🎂 Your Age35 Yrs

1865

💰 Monthly Income₹1.00 L

₹20K₹15 L

🏥 Existing Health Cover₹5 L

₹0₹50 L

📅 Recovery Period12 Mo

3 Mo36 Mo

🔬 Recommended CI Cover

₹25 L

60+ illnesses · lump sum on diagnosis

₹9,500Annual Premium

12 MoIncome Covered

Treatment Cost₹10 L

Income Loss₹12 L

Lifestyle Adjust.₹3 L

Health Deduct.₹5 L

Coverage Summary

Lump sum on first diagnosis

60+ critical illnesses covered

Income replacement freedom

30-day survival clause applies

Early stage cancer may be excluded

Why Insurance Matters

Protect Everything You've Built

Insurance is not an expense — it's the foundation of every solid financial plan. One unexpected event without coverage can wipe out decades of accumulated wealth in days.

Protect Your Income Stream

Your ability to earn is your biggest financial asset. A ₹10 L/year income over 25 years = ₹2.5 Cr+ in lifetime earning power. Term insurance protects this for just ₹750–1,500/month. No other financial product does this.

Medical Costs Are Exploding

Healthcare inflation in India runs at 10–12% p.a. A heart bypass costs ₹5 L today, ₹13 L in 10 years. One ICU day at a metro hospital: ₹20,000–₹50,000. Health insurance isn't optional — it's survival.

Critical Illness Risk Is Real

1 in 8 Indians will develop cancer in their lifetime. 1 in 4 suffer a cardiovascular event before 70. These illnesses cost not just medically but months of income and massive lifestyle adjustments that health policies don't cover.

Your Dependants Need You

If a spouse, children, or parents rely on your income, you have a moral obligation to protect them. ₹1 Cr term policy at ₹9,000/year. Invested at 9%, it generates ₹7.5 L/year in SWP — forever. That's security.

Insurance Types Explained

Which Insurance Do You Actually Need?

India's insurance market has dozens of products. Here's an expert breakdown of every major type — who needs it, what it covers, and what to watch out for.

🛡️

Term Life Insurance

Most Important · Buy First

Pure death benefit — pays full sum to nominee if you die during policy term. Zero investment component; 100% risk protection. The cheapest, most efficient life cover available anywhere.

₹1 Cr for ~₹9,000/year at age 30

97%+ claim settlement (top insurers)

Add ADB + WOP + CI riders easily

Buy early — premiums locked in for life

No returns on survival (pure protection)

🏥

Health Insurance

Second Priority · Family First

Covers hospitalisation, surgery, and treatment. Family floater covers all members under one policy with cashless treatment at 7,000+ network hospitals nationwide.

Minimum ₹10–25 L for metro families

Add super top-up for extra cover cheaply

Cashless treatment at network hospitals

PED waiting: 2–4 years; buy young

Avoid room rent cap policies always

🔬

Critical Illness

Highly Recommended

Pays lump sum on first diagnosis of 36–60+ illnesses including cancer, heart attack, stroke, kidney failure. No bills required — money goes directly to you to use freely.

Lump sum — zero restrictions on usage

₹25 L cover for ~₹9,000–12,000/year

Replaces lost income during recovery

30-day survival clause on most policies

Not a health insurance replacement

📈

ULIP

Use With Caution

Combines life insurance with market-linked investment. Part of premium goes to insurance, part to equity/debt funds. High charges in early years; better alternatives usually exist.

Market-linked growth potential

Tax-free maturity under Sec. 10(10D)

Charges: 2–5% annually in early years

Better: Pure Term + Mutual Fund (separate)

5-year lock-in; illiquid initially

🏦

Pension / Annuity Plans

Post-Retirement Income

Guaranteed regular income post-retirement from insurer-managed plans. Useful for those wanting certainty, but returns are typically 5–7% vs 10–12%+ from NPS or mutual fund SWP.

Guaranteed lifelong income (annuity)

Protects against outliving your savings

Returns: 5–7% vs 12%+ from MF SWP

Fully taxable as income

NPS + MF SWP is usually superior

🦺

Personal Accident

Affordable Add-on

Covers accidental death, permanent/partial disability, and income loss due to accidents. Incredible value — ₹10 L cover for just ₹1,500–2,000 per year. Essential for frequent travelers.

₹10 L cover for ₹1,500–2,000/year

Covers partial + total permanent disability

Easy add-on rider to term / health plan

Accidents only — illness not covered

Essential for field workers, drivers, travelers

Myth Busting

6 Insurance Myths That Are Costing You

Dangerous misconceptions prevent millions of Indians from getting the right coverage. Here's the truth behind each one.

MYTH

"Insurance is an investment — I should get money back on survival"

TRUTH

Insurance is PROTECTION, not investment. Money-back and endowment plans return 4–6% — far below inflation. Buy pure term insurance + invest the premium savings in mutual funds. Over 20 years, you'll be 2–3× wealthier at the same total outlay.

MYTH

"My company's group health cover is sufficient for my family"

TRUTH

Group cover ends the day you leave or lose your job. Most employer covers offer only ₹2–5 L — barely enough for one major surgery today. Buying personal health insurance after 45 or with pre-existing conditions is very difficult. Buy your own policy NOW, not when you need it.

MYTH

"I'm young and healthy — I'll buy insurance when I'm older"

TRUTH

A 25-year-old buys ₹1 Cr cover for ₹7,000/year. The same person at 40 pays ₹24,000/year — 3.4× more, for the same cover. Waiting a single decade costs lakhs in extra premiums over the policy life. Insurance is cheapest precisely when you feel you don't need it yet.

MYTH

"₹25 lakh term cover is enough for my family to live on"

TRUTH

₹25 L in an FD at 7% = ₹1.75 L/year — just ₹14,500/month. If your family needs ₹50,000/month, you need ₹85 L in an FD or ₹60 L earning 10%. Most Indian families are massively underinsured. Use our calculator above to find the right number for your specific situation.

MYTH

"Insurance companies never actually pay claims — it's a scam"

TRUTH

Top insurers — LIC, HDFC Life, ICICI Pru, Max Life — settle 97–99.5% of all claims. The #1 reason for rejection? Non-disclosure at application. The golden rule: disclose every medical condition, habit, and family history honestly. Your nominee's future depends on your honesty at sign-up.

MYTH

"Health insurance is all I need — critical illness is unnecessary"

TRUTH

Health insurance pays the hospital. Critical illness pays YOU. When cancer strikes, treatment may cost ₹10 L — but your income stops for 12+ months. That's ₹12+ L in lost salary. Add lifestyle changes and specialist travel costs. CI cover fills exactly this gap that health insurance doesn't even touch.

Claims Made Easy

How to File an Insurance Claim

Filing a claim is straightforward when you know the process. Here's exactly what your family needs to do — step by step.

Notify Insurer

Call the 24/7 claim helpline immediately. Get a reference number. For health, call before admission for cashless approval.

Collect Documents

Policy copy, death/medical certificate, ID proof, nominee's bank details. Submit attested copies — keep all originals safe.

Submit Claim Form

Fill completely and honestly. Submit online, at branch, or via your advisor. Attach all supporting documents at once.

Investigation

Large claims may require an investigator. Cooperate fully and provide additional documents requested within 7 days.

Settlement

IRDAI mandates settlement within 30 days of complete documents. Amount paid directly to nominee's registered bank account.

The #1 Rule: Always Disclose Everything at Purchase

The vast majority of rejected claims are due to non-disclosure at application — not insurer fraud. Every pre-existing condition, family history, tobacco or alcohol use, and occupation hazard must be disclosed truthfully. Hiding even minor details gives the insurer legal grounds to reject any future claim. Full disclosure is your duty — and your nominee's protection.

Side-by-Side Comparison

Term vs Health vs Critical Illness — At a Glance

Understanding how each type works together helps you build a complete, watertight protection plan at minimal cost.

Feature / Criteria	Term Life Insurance	Health Insurance	Critical Illness Cover	ULIP / Endowment
Purpose	Family income protection	Hospitalisation costs	Critical illness lump sum	Insurance + investment mix
Who Needs It Most	Everyone with dependants	Every individual & family	Age 30+ / family history	Investors (but MF+Term better)
Trigger for Payout	Death of insured	Hospitalisation bill	Diagnosis of illness	Maturity or death
Payout Type	Lump sum to nominee	Reimbursement / cashless	Lump sum to policyholder	Maturity value / death benefit
Covers Income Loss	Yes (indirectly)	No	Yes (directly)	No
Covers Medical Bills	No	Yes	Partially	No
Typical ₹1 Cr Cover Cost	₹9,000–15,000/yr	₹18,000–28,000/yr	₹12,000–22,000/yr	₹50,000–2L+/yr
Returns on Survival	None (pure term)	None (protection)	None (protection)	Yes (but low at 4–7%)
Tax Benefit	80C (premium), 10(10D)	80D (₹25,000–50,000)	No direct deduction	80C + 10(10D)
Recommendation	Buy First — Essential	Buy Second — Essential	Buy Third — Recommended	Usually avoidable

Expert Tips

10 Smart Insurance Buying Tips

Advice our advisors give every client before they buy their first policy. These tips can save you lakhs and prevent claim rejection.

Buy Term, Not Endowment or ULIP

Term insurance gives you 10–15× more coverage for the same premium. Buy pure protection, then invest the difference in mutual funds for wealth creation. You'll be significantly richer at retirement.

Disclose Everything — Every Single Time

Pre-existing conditions, family medical history, smoking, alcohol — disclose all. Non-disclosure is the #1 cause of claim rejection. Be completely honest even if it means a higher premium.

Avoid Room Rent Cap in Health Policies

A policy with a ₹3,000/night room rent cap will proportionally reduce all other claims too. If the actual room cost was ₹10,000, your surgery costs may be reimbursed at just 30%. Always choose plans with no room rent cap.

Check Claim Settlement Ratio Before Buying

IRDAI publishes annual CSR for every insurer. Always choose insurers with 97%+ claim settlement ratio. This single number tells you how likely your family is to actually receive the claim when it matters most.

Build a ₹50 L+ Total Health Cover Layer-by-Layer

Instead of one ₹50 L plan (expensive), buy a ₹15 L base + ₹35 L super top-up. Total cover: ₹50 L. Total cost: significantly lower. Super top-ups activate only after your base policy is exhausted — brilliant value.

Name Your Nominee Correctly — and Update Regularly

Ensure nominee name exactly matches government ID. Update nominee after marriage, divorce, or birth of children. A wrong or outdated nominee can cause massive delays in claim settlement for your family.

Cover Term Should Extend to at Least Age 60–65

Your term insurance should last until your youngest dependant becomes financially independent AND your retirement corpus is fully built. Most people need cover till 60–65 at minimum. Don't choose a 15-year term if you're 35.

Reassess Your Coverage Every 3–5 Years

Your income, loans, and family situation change significantly over time. A cover that was adequate at 30 may be woefully insufficient at 40. Review and top up every major life event — marriage, home loan, new child, income jump.

Store All Policy Documents Digitally and Accessibly

Upload all policies to DigiLocker and share policy numbers with your spouse/parents. A claim filed without knowing the policy number can take months. Your family needs instant access — not a paper hunt during grief.

Never Miss a Premium — Use Auto-Pay / ECS

A lapsed policy may have a grace period but eventually voids all coverage. Set up ECS or standing instructions to pay premiums automatically. The cost of reinstating a lapsed policy with new medical tests can be enormous.

The Insurance Hierarchy

Buy in this exact order. Each level protects a different risk.

Term Life Insurance

Income replacement for your family if you're gone. This is non-negotiable if anyone depends on you financially.

Health Insurance

Protects your savings from medical emergencies. One ICU hospitalisation can wipe out years of savings without this.

Critical Illness Cover

Pays you a lump sum on diagnosis to replace lost income during recovery. Health policy covers hospital; CI covers your life.

Personal Accident Cover

Covers disability from accidents — the one risk term insurance misses. Costs just ₹1,500–2,000/year. Excellent value.

Super Top-up (Health)

Extends your health cover to ₹50 L+ at a fraction of direct plan costs. Best value add-on in Indian insurance.

FAQs

Insurance Questions — Answered

Everything you need to know about choosing, buying, and claiming insurance in India — answered plainly without jargon.

How much term life insurance cover do I actually need?

The standard rule is 10–20× your annual income. But the most accurate calculation is: (15× annual income) + (all outstanding loans) + (₹25 L per dependant). So a 35-year-old earning ₹10 L with a ₹40 L home loan and 2 children needs approximately: ₹1.5 Cr + ₹40 L + ₹50 L = ₹2.4 Cr in cover. Use our calculator above to get your personalised figure. Always round up rather than down — premiums for the extra amount are very small.

What is the difference between a family floater and individual health plans?

A family floater covers all family members under one shared sum insured. If your cover is ₹15 L, any member can claim up to ₹15 L (but the total claims across all members can't exceed ₹15 L in a year). Individual plans give each person their own separate cover. Family floaters are more economical for young families where hospitalisation probability is low. However, as members age (especially parents), individual plans prevent one big claim from exhausting the shared cover. Best strategy: floater for yourself, spouse, and children; separate senior citizen plans for parents.

Can I buy health insurance with pre-existing diseases (PED)?

Yes — you can buy health insurance even with pre-existing conditions like diabetes, hypertension, heart disease, or cancer. However, insurers impose a waiting period of 2–4 years during which claims related to the pre-existing condition are not payable. After the waiting period ends, full coverage applies. Some insurers also load the premium (charge extra) for PEDs. The key lesson: buy health insurance as early as possible while you're healthy, before any conditions develop. Once you have a PED, options narrow and costs rise significantly.

Is it better to buy insurance online or through an advisor?

Both have advantages. Online purchases often offer discounts of 5–15% since there's no distributor commission. However, insurance is a long-term contract where the fine print matters enormously — exclusions, claim settlement processes, and policy terms differ significantly between products. A good advisor helps you compare not just price but features, claim ratios, exclusions, and riders. Most importantly, an advisor supports your family during the claims process when they're already dealing with grief. We recommend using an AMFI/IRDA certified advisor who can give personalised recommendations and be available during claims.

What riders should I add to my term insurance policy?

Three riders are almost always worth adding: (1) Accidental Death Benefit (ADB) — pays additional sum (often equal to base cover) if death is accidental. Very low cost. (2) Waiver of Premium (WOP) — waives all future premiums if you become disabled. Your policy continues free of cost while you're unable to earn. (3) Critical Illness Rider — adds a CI component that pays on diagnosis of major illnesses. The CI rider usually costs 10–20% of total premium and can be a cost-effective way to get dual protection. Avoid return of premium riders — the mathematical value is far lower than alternative investments.

What is a super top-up health plan and why should I buy one?

A super top-up plan activates when a claim exceeds your deductible (the threshold amount, typically matching your base plan). For example: base policy ₹15 L, super top-up ₹35 L with ₹15 L deductible. If you have a ₹40 L claim, the base pays ₹15 L and the super top-up pays the remaining ₹25 L. Total effective cover: ₹50 L. The key advantage: super top-up premiums are remarkably cheap because the insurer's risk only activates above the deductible. A ₹35 L super top-up with ₹15 L deductible costs about ₹4,000–8,000/year — far less than adding ₹35 L to your base plan. This is the single best value-for-money health insurance strategy available in India.

How do I choose the best term life insurance company in India?

Look at four factors: (1) Claim Settlement Ratio (CSR) — IRDAI publishes this annually; choose 97%+ from HDFC Life, Max Life, ICICI Pru, or LIC. (2) Solvency Ratio — must be above 1.5; higher means more financial stability. (3) Product features — flexibility of payout options, rider availability, premium payment options, conversion options. (4) Network hospitals (for health). Don't choose based on premium alone — a ₹500/year cheaper policy that rejects your claim is infinitely more expensive. Top picks currently: HDFC Life Click2Protect Super, ICICI Pru iProtect Smart, Max Life Smart Secure Plus, and Tata AIA SRS Vitality.

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Financial News

KYC

Calculate Your Perfect
Insurance Coverage

Protect Everything You've Built

Protect Your Income Stream

Medical Costs Are Exploding

Critical Illness Risk Is Real

Your Dependants Need You

Which Insurance Do You Actually Need?

6 Insurance Myths That Are Costing You

How to File an Insurance Claim

Notify Insurer

Collect Documents

Submit Claim Form

Investigation

Settlement

The #1 Rule: Always Disclose Everything at Purchase

Term vs Health vs Critical Illness — At a Glance

10 Smart Insurance Buying Tips

Buy Term, Not Endowment or ULIP

Disclose Everything — Every Single Time

Avoid Room Rent Cap in Health Policies

Check Claim Settlement Ratio Before Buying

Build a ₹50 L+ Total Health Cover Layer-by-Layer

Name Your Nominee Correctly — and Update Regularly

Cover Term Should Extend to at Least Age 60–65

Reassess Your Coverage Every 3–5 Years

Store All Policy Documents Digitally and Accessibly

Never Miss a Premium — Use Auto-Pay / ECS

Term Life Insurance

Health Insurance

Critical Illness Cover

Personal Accident Cover

Super Top-up (Health)

Insurance Questions — Answered

Get Expert Insurance Advice — Free

Calculate Your PerfectInsurance Coverage

Protect Everything You've Built

Protect Your Income Stream

Medical Costs Are Exploding

Critical Illness Risk Is Real

Your Dependants Need You

Which Insurance Do You Actually Need?

6 Insurance Myths That Are Costing You

How to File an Insurance Claim

Notify Insurer

Collect Documents

Submit Claim Form

Investigation

Settlement

The #1 Rule: Always Disclose Everything at Purchase

Term vs Health vs Critical Illness — At a Glance

10 Smart Insurance Buying Tips

Buy Term, Not Endowment or ULIP

Disclose Everything — Every Single Time

Avoid Room Rent Cap in Health Policies

Check Claim Settlement Ratio Before Buying

Build a ₹50 L+ Total Health Cover Layer-by-Layer

Name Your Nominee Correctly — and Update Regularly

Cover Term Should Extend to at Least Age 60–65

Reassess Your Coverage Every 3–5 Years

Store All Policy Documents Digitally and Accessibly

Never Miss a Premium — Use Auto-Pay / ECS

Term Life Insurance

Health Insurance

Critical Illness Cover

Personal Accident Cover

Super Top-up (Health)

Insurance Questions — Answered

Get Expert Insurance Advice — Free

Calculate Your Perfect
Insurance Coverage