A single uninsured event can wipe out decades of savings. Insurance is the foundation every financial plan must rest on.
If the breadwinner passes away, term insurance replaces years of lost income — ensuring the family's lifestyle continues.
A single hospitalisation can cost ₹5–20 lakh. Health insurance prevents medical emergencies from derailing your finances.
Motor & home insurance protects you from third-party legal liabilities — mandatory and financially critical.
Life insurance premiums (80C) and health insurance premiums (80D) offer combined deductions of up to ₹1.5 lakh + ₹1 lakh.
Keyman insurance, group term, and group health plans protect businesses from the financial impact of losing key personnel.
Insurance is not an expense — it is a financial guarantee that your loved ones will be taken care of, no matter what.
Most Indian families are dangerously under-insured. Use this reference to check your coverage gap.
| Insurance Type | Minimum Cover | Recommended Cover | How to Calculate |
|---|---|---|---|
| Life | 10× annual income | 15–20× annual income | Human Life Value Calculator |
| Health (Self) | ₹5 lakh | ₹10–25 lakh | City-based cost index |
| Health (Family) | ₹10 lakh floater | ₹25–50 lakh | Family floater + top-up |
| Critical Illness | ₹25 lakh | ₹50 lakh+ | Treatment cost estimate |
| Motor (4W) | 3rd Party only | Comprehensive + Zero Dep | IDV calculator |
| Personal Accident | ₹25 lakh | ₹50 lakh+ | Annual income × 5 |
* Covers are indicative. Actual requirement depends on lifestyle, liabilities, location, and family structure. Consult your advisor.
Marriage — add spouse to health floater, increase term cover
Birth of child — increase life cover by ₹50–75 lakh minimum
Home loan — term cover should equal outstanding loan + income replacement
Job change — employer group cover lapses; buy personal health immediately
Salary hike — upgrade health cover, add critical illness rider
Parents turning 60 — buy senior citizen health policy with OPD cover
Starting a business — add keyman insurance + business liability cover
Retirement — shift to annuity-linked plans and long-term care cover
THE SAHAYAK INSURANCE REVIEW PROCESS
We map all current policies — life, health, motor, and other — and identify gaps and over-laps.
Calculate Human Life Value, health cost estimates, and liability coverage needed for your family.
Unbiased recommendations from leading IRDA-regulated insurers — no product push.
We assist with renewals, policy changes, and most importantly — claims settlement support.
Most families discover they are under-insured only after a crisis. Don't wait. Get a no-obligation insurance audit from our IRDA-certified advisors today.