Insurance Gap Calculator
Life + health combined gap and monthly budget priorities. Illustrative — not a quote.
Your situation
Protection gap
Illustrative — not a quote
Recommended life cover
₹72.00 L
Life gap
₹72.00 L
Recommended health sum insured
₹10.00 L
Health gap
₹10.00 L
Combined illustrative gap
₹82.00 L
- Figures are illustrative exposure estimates — not a quote or guarantee of cover.
- Actual products, premiums and eligibility depend on insurer underwriting and policy terms.
- Employer health cover may have limits, waiting periods and end when you leave the job.
₹-budget protection plan
Pick a monthly budget. Priorities only — never a promise of specific cover for a premium without checking a real policy.
- Basic health protection (entry-level personal or top-up if employer cover exists) — compare sum insured and waiting periods.
- Personal accident protection.
- Then life protection (term) if you have dependents — start with affordable term cover.
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 Gap Calculator
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.