Free Insurance Calculators

Why InsureKit?

Explore every InsureKit calculator

InsureKit covers the major personal-insurance decisions — protecting your income, your family, your home, and your travel. Each tool is a focused, single-purpose calculator you can use in under a minute:

• Human Life Value Calculator — size your ideal life-cover amount from income, debts, and dependents.
• Term Life Premium Estimator — estimate monthly term-insurance premiums by age and cover.
• Critical Illness Cover Calculator — work out a lump-sum buffer for serious-illness treatment and lost income.
• Disability Income Calculator — find the income-protection benefit you'd need if you couldn't work.
• Health Insurance Cover Calculator — estimate a sensible sum-insured for your family's medical needs.
• Home Insurance Cover Estimator — gauge rebuild cost and contents cover for your home.
• Renters Insurance Calculator — value your belongings to choose the right tenants' cover.
• Auto Insurance Premium Estimator — ballpark an Indian car-insurance premium before you shop quotes.
• Travel Insurance Estimator — estimate trip-cover cost by destination, duration, and age.
• Pet Insurance Estimator — project pet-cover premiums and weigh them against vet costs.

How much insurance cover do you actually need?

There is no single number that fits everyone, but most cover decisions come down to three questions: what would your dependents lose if your income stopped, what debts would they inherit, and what one-off costs would they face. The classic starting points are:

• Life cover: a common rule of thumb is 10–15× your annual income, but the Human Life Value method is more precise because it accounts for your exact debts, future expenses, and the years your family still depends on you.
• Income protection: aim to replace 50–70% of your take-home pay until retirement age, since a serious disability can affect earning ability for years rather than weeks.
• Health cover: base your sum insured on the cost of a major hospitalisation in your city, not the cheapest premium — under-insuring is the most common and most expensive mistake.

Use the calculators above to turn these rules into a concrete number for your own situation, then take that figure to a licensed advisor to compare actual policies. The math is the easy part — InsureKit handles it instantly and privately so you can focus on the decision.