Insurance Gap Analyzer

Find out if you're actually covered, or just think you are.

Fill in your numbers once. This tool runs them through two industry-standard methods, benchmarks you against national protection-gap data, and shows you exactly where a real claim could break your finances.

Your numbers

These feed both the Life and Health analysis below.

Current age

Planned retirement age

Annual income, gross (₹)

Monthly household expenses (₹)

Dependents (spouse, kids, parents)

Outstanding debts, total (₹)

Liquid assets (FDs, MFs, cash) (₹)

Existing life cover (₹)

Existing health cover (₹)

Existing critical illness cover (₹)

Existing accident cover (₹)

Disability monthly benefit (₹)

Life insurance inputs

Future education corpus needed (₹)

Other future goals (₹)

Assumed return on investment (%)

8.0%

Assumed general inflation (%)

6.0%

Required cover — two methods

Two respected methodologies, side by side, because the "right" number changes depending on how you count it.

DIME method

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Debts + (Income × Years to retirement) + Education + Other goals − Liquid assets

PV-based Human Life Value

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Present value of future income (inflation-adjusted) + Debts + Education + Other goals − Assets

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Fill in your numbers above to see your gap.

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Your protection gap ratio

87%

India's average life protection gap (National Insurance Academy)

>90%

Gap among 26–35 year-olds specifically

Health insurance inputs

Family size covered

City tier

Assumed medical inflation (%/yr)

13.0%

Required cover

Calculated two ways, then the higher of the two is used as your required cover — health costs rarely surprise you on the downside.

Expense-buffer method

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Monthly expenses × 12 × 5, floor ₹5L

2026 metro benchmark

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Per-person city-tier benchmark, adjusted for family size

Required cover used below: —

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Fill in your numbers above to see your gap.

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Your protection gap ratio

73%

India's health protection gap (National Insurance Academy)

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What today's required cover becomes in 10 yrs, at your inflation rate

Optimize your structure

You don't need to close the whole gap with one giant policy. Layer a base policy, your employer's cover as a deductible, and a super top-up.

Base policy sum insured (₹)

Corporate / employer cover used as deductible (₹)

Super top-up sum insured (₹)

Effective total protection

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Remaining gap after optimizing

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The 6-filter policy check

Run your existing health policy through these. A ₹1Cr policy with a room-rent cap can behave like a ₹40L policy when you actually claim.

0 of 6 filters passed0%

Room rent cap flagged. This is the most dangerous hidden clause in health insurance. If your bill exceeds the room-rent cap, the insurer proportionally reduces every line item — surgery, medicines, ICU — not just the room charge. Illustratively, your stated — cover could behave like roughly — in practice. Ask your insurer for the exact proportionate-deduction clause.

Assumptions used: medical inflation 13% (industry range 12–14%, 2025–26), ROI 8% / general inflation 6% for life PV calculations — all adjustable above.