Personal Insurance
For individuals and families — understand each cover type before you compare products.
Actual coverage depends on policy wording, waiting periods, exclusions and eligibility — never assume a product covers every situation.
Life Insurance
Financial protection for dependents if you die — forms include term and savings-linked plans.
Term Life Insurance
Pure protection for a set term — usually the most cover per rupee of premium.
Health Insurance
May help with hospitalisation costs subject to policy terms, waiting periods and exclusions.
Family Health Insurance
One policy covering eligible family members — check sum insured sharing rules.
Senior Citizen Health Insurance
Health cover designed around older ages — underwriting and waiting periods often differ.
Personal Accident Insurance
May pay for accidental death or disability as defined in the policy.
Critical Illness Insurance
Lump-sum style benefits on listed illnesses — always check definitions and survival clauses.
Disability Insurance
Income or lump-sum protection if you cannot work due to disability — wording varies widely.
Travel Insurance
Trip medical, delay and baggage covers — subject to destination and exclusions.
Motor Insurance
Third-party liability is typically mandatory; own-damage is optional add-on structure.
Home Insurance
Building and/or contents against specified perils — check flood/earthquake add-ons.
Personal Property Insurance
Specific valuable items may need scheduled cover beyond basic contents.
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 Personal Insurance
India’s financial protection hub — Protection Check, gaps, personal/business covers, climate risk and government schemes.
How it works
Start with Protection Check or Gap Calculator, then explore sections by need (personal, business, for you).
Practical tips
Use may/can/subject-to-policy-terms wording; never treat illustrative figures as quotes.
Important to know
Educational only — not an insurance solicitation. Enroll for government schemes only via official sources.
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.