Insurance Gap Analyser

How much term + health cover do you actually need? Answer four questions, get a number.

Your age

Annual income (₹ L)

Dependants (spouse + children + parents)

Existing term cover (₹ L)

Outstanding liabilities — home loan / education loan (₹ L)

Existing family health cover (₹ L)

Recommended term cover

—

Your term-cover position

— 0% · Target · 100%

Recommended health cover

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Your health-cover position

— 0% · Target · 100%

Close the gap with a Praarabdh advisor

Rule-based estimate using the Human Life Value method (term = 10-15× annual income + outstanding liabilities, less existing cover). Health recommendation scales with age and family size. Not personalised insurance advice — talk to a SEBI/IRDAI-aligned advisor before buying.