Insurance Calculators
Master list of protection tools — priority calculators first.
P1
Insurance Policy Analyzer
Review premiums, benefits, XIRR, surrender/paid-up options and protection context.
P1
Insurance Protection Score
0–100 score across life, health, accident, family, loans and emergency fund.
P1
Insurance Gap Calculator
Life + health combined gap vs illustrative need.
P1
Employer Insurance Gap Calculator
See what employer cover may leave uncovered when you change jobs.
P2
Personal Accident Cover Calculator
Illustrative accident sum insured vs income.
P2
Term Insurance Need Calculator
Income-replacement style life cover estimate.
P2
Family Insurance Calculator
Household protection priorities with dependents.
P2
Insurance Affordability / Premium Budget
₹100–₹5,000/month protection priority plan.
P3
Keyman Insurance Exposure Calculator
Estimate key-person financial exposure for SMEs.
P3
Business Protection Score
Key-person, property, liability, cyber and interruption exposure.
P3
Climate Risk Calculator
Hazard → insurance types that may be affected (illustrative).
P3
Government Scheme Eligibility Checker
You may be eligible — always enroll via official sources.
Employer insurance gap
Employer cover may end when you leave — illustrative family health target ₹10L.
Illustrative gap if you rely only on current covers
₹7.00 L
Personal accident cover (illustrative)
₹48.00 L
Estimated exposure — subject to policy terms.
Business Protection Score
Checklist score — not underwriting. Tick what you already address.
14/100
Policy Analyzer, Claim Estimator and Renewal Reminder are planned next — upload/analysis tools will stay educational and privacy-conscious.
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 Calculators
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.