General Insurance Calculators

Empower your family's safety with our accurate premium simulators. Calculate term coverage, TROP savings, and critical illness loaders instantly.

Postal Life Insurance (PLI) Calculator

Calculate PLI & RPLI maturity values, government sovereign bonuses (₹52–₹76/₹1,000 SA), monthly premiums, and loan values for Santosh, Suraksha, & Sumangal.

Calculate PLI Maturity

Life Insurance Calculator

Calculate your ideal term life insurance coverage need, Human Life Value (HLV), family income replacement, loan clearance fund, and estimated term premiums.

Calculate Life Cover

Insurance Premium Comparison Tool

Compare insurance premiums online across Term Life, Health, Car, Bike, Home, and Critical Illness policies in India. Compare top insurers by CSR, features, and rates.

Compare All Premiums

Term Insurance Human Life Value Calculator

Calculate your exact Human Life Value (HLV), income replacement gap, debt protection shield, and inflation-adjusted safety net using scientific actuarial methods.

Calculate Human Life Value

Term Insurance Coverage Calculator

Calculate your exact term insurance coverage need, required life cover sum assured, income replacement gap, debt protection shield, and family safety net.

Calculate Life Cover Need

Term Insurance Premium Calculator

Estimate base premium installments, smoking rate surcharges, female rebates, inflation-linked increasing covers, and return of premium (TROP) maturities.

Calculate Term Premium

Health Insurance Premium Calculator

Simulate premium adjustments for medical family floaters, elder parent covers, pre-existing condition loadings, multi-year term discounts, voluntary copays, and optional medical riders.

Calculate Health Premium

Critical Illness Insurance Calculator

Calculate your required Critical Illness insurance sum insured, 1 to 3 years income replacement gap during recovery, specialized treatment costs, and family safety net.

Calculate Critical Illness Cover

Personal Accident Insurance Calculator

Calculate your required Personal Accident sum insured, accidental death cover, PTD & PPD disability benefits, weekly TTD income cash, and premium rates.

Calculate Personal Accident Cover

Car Insurance Premium Calculator

Calculate your vehicle's Insured Declared Value (IDV) and estimate net Own Damage premiums, mandatory third-party CC tariffs, No-Claim Bonuses (NCB), and optional zero-depreciation riders.

Calculate Car Premium

Home Insurance Premium Calculator

Calculate your home insurance premium online for structure reconstruction cost, household contents, burglary, fire, and multi-year Bharat Griha Raksha policies.

Calculate Home Premium

Pet Insurance Premium Calculator

Calculate pet insurance premiums online for dogs and cats in India. Estimate vet bill coverage, surgery reimbursement, third-party liability, and breed quotes.

Calculate Pet Premium

No Claim Bonus (NCB) Calculator

Calculate your car & bike insurance No Claim Bonus (NCB) discount (20% to 50%), compare claim vs out-of-pocket repair costs, and calculate NCB transfer savings.

Calculate NCB Discount

Insurance Claim Settlement Calculator

Calculate your estimated net insurance claim settlement payout for car, health, and life insurance online. Estimate deductibles, depreciation, and co-pay deductions.

Calculate Net Payout

Insurance Coverage Gap Calculator

Calculate your net insurance coverage gap across Life, Health, Critical Illness, and Disability insurance online. Assess your family's protection adequacy score.

Calculate Coverage Gap

Health Tax Benefit Calculator (80D)

Calculate your Section 80D health insurance tax savings online for self, family, and parents up to ₹1,00,000. Calculate preventive health checkup & senior citizen deductions.

Calculate 80D Tax Savings

Motor Insurance IDV Calculator

Calculate your car & bike Insured Declared Value (IDV) online using IRDAI statutory depreciation slabs. Estimate total loss payout & own damage premium.

Calculate Vehicle IDV

Vehicle Parts Depreciation Calculator

Calculate parts depreciation for vehicle insurance claims online based on IRDAI statutory slabs. Estimate plastic, rubber, metal dep & zero dep rider savings.

Calculate Parts Dep

Life Insurance Needs Calculator

Calculate your ideal term life insurance coverage requirement online using financial needs analysis. Calculate income replacement, loans, & child milestone funds.

Calculate Life Need

Sum Assured Calculator

Calculate your ideal insurance Sum Assured online for life, term, and health policies. Check Section 10(10D) 10x tax eligibility & optimal sum assured.

Calculate Sum Assured

Insurance Inflation Calculator

Calculate future medical treatment costs & health insurance inflation online. Estimate compounding medical inflation (14%) & future health cover needs.

Calculate Inflation Impact

Hospital Cash Benefit Calculator

Calculate your daily hospital cash allowance & ICU benefit payout online. Estimate daily cash rider benefits, convalescence bonus & tax-free payouts.

Calculate Daily Cash

Critical Illness Cost Calculator

Calculate future critical illness treatment costs & lost income online in India. Estimate cancer, heart attack, kidney transplant costs & rider needs.

Calculate CI Risk

Third-Party vs Comprehensive Calculator

Compare Third Party vs Comprehensive motor insurance premiums for car and bike online. Calculate cost difference, coverage benefits, IDV, and NCB savings.

Compare TP vs Comprehensive

Bike Insurance Premium Calculator

Determine your two-wheeler's Insured Declared Value (IDV) and estimate base Own Damage premiums, mandatory IRDAI engine CC tariffs, No-Claim Bonuses (NCB), and high-value add-ons.

Calculate Bike Premium

Travel Insurance Premium Calculator

Simulate international travel premiums by trip length, traveler age bands, medical sum insured, global geographic bands, and high-value optional sports and baggage riders.

Calculate Travel Premium

Family Floater Premium Calculator

Calculate comprehensive medical premiums for floaters by eldest member age, family compositions, medical sum insured slabs, multi-year term discounts, and riders.

Calculate Floater Premium

Mastering Your Family Coverage Strategy

Insurance planning is the foundation of comprehensive personal financial security. Choosing the right coverage limits, payment terms, and rider selections requires transparent, conflict-free data. Our general insurance calculators provide mathematically objective premium assessments based on standard underwriting regulations in India.

Whether you are evaluating low-cost pure term covers to protect your dependents or considering limited pay structures to align with your high-earning years, these tools are built to guide you.