Insurance
Protect what you can’t afford to lose — understand protection needs in plain language.
India's Financial Protection Platform
Protect What You Can't Afford to Lose
Insurance isn't just for high-income families. EnrichReturns helps you understand how much protection you and your family may need — in simple language, without complicated insurance terms.
Free. Simple. No account required.
Find your protection gap
Life · Health · Accident · Home · Motor · Agriculture · Small Business
Insurance Policy Analyzer
Premiums, benefits, XIRR, surrender/paid-up and protection review.
Insurance Protection Check
8-step guided flow to a Protection Score and action plan.
Personal Insurance
Life, health, accident, travel, motor, home and more.
Business Insurance
Keyman, property, interruption, cyber and small-business bundles.
Professional Insurance
Professional indemnity / liability by profession.
Property & Casualty
Property damage and liability / casualty concepts.
Catastrophe & Climate Risk
Natural hazards, climate risk and parametric insurance.
Agriculture & Microinsurance
Crop, livestock and small-ticket protection in ₹ terms.
Government Insurance Schemes
PMJJBY, PMSBY, Ayushman and eligibility pointers.
Insurance Calculators
Protection score, gaps, affordability and more.
Insurance Basics (Glossary)
Everyday phrases first, then technical terms.
Insurance Claims Guide
What happens from event to claim — plain language.
Insurance for You
By occupation and life stage.
30-Second Video Library
See the risk. Understand the loss. Know the protection.
What this section is
Education + protection analysis + comparison — not "buy insurance from us." Core question: if something unexpected happens tomorrow, is your family — or your business — financially protected?
Built for grassroots and underinsured households as well as salaried, self-employed and small-business users. Any future partnerships will be clearly disclosed.
Educational only — not an insurance solicitation or advice to buy a product. Coverage always depends on policy wording, exclusions, limits, deductibles and eligibility. Figures labelled illustrative are estimates, not quotes. Affiliate or partner links, if any, will be disclosed.
About Insurance
India’s financial protection hub — Protection Check, gap tools, personal and business covers, climate risk and government schemes. Educational only — not an insurance solicitation.
Where to start
Run Protection Check or the Gap Calculator, then explore Personal or Business sections by need. Use may/can/subject-to-policy-terms wording; never treat illustrative figures as quotes.
Personal vs business
Households usually prioritise term life and health before niche riders. Businesses separately consider keyman, property and interruption covers. Government schemes have official enrolment channels only.
Claims mindset
Read the claims guide before an emergency so you know documents and timelines. Policy wording and exclusions decide outcomes — not marketing brochures.
Related learning guides
Frequently Asked Questions
- Is EnrichReturns selling insurance?
- No. This section is education, protection analysis and comparison. Any future partnerships will be clearly disclosed.
- What is the Insurance Protection Check?
- An 8-step guided flow that scores life, health, accident, family coverage, loan protection and emergency fund, then shows gaps and a simple action plan.
- Are cover amounts guaranteed quotes?
- No. Figures are illustrative exposure estimates. Actual premiums and eligibility depend on insurer underwriting and policy terms.
- How do government schemes fit in?
- We explain PMJJBY, PMSBY, Ayushman and crop schemes and link to official sources. Enrollment happens only on government portals.
- Does climate change raise every premium?
- No. We use careful wording: climate-related changes can alter some risks and influence underwriting and pricing depending on peril and location — not everywhere equally.
- Where is the Insurance Policy Analyzer?
- Use /insurance-policy-analyzer to review premiums, benefits, XIRR, surrender/paid-up options and protection context for an existing policy.