Insurance and emergency funds, explained

The protection layer of a plan: enough term cover to replace your income, health cover sized for your city and family, and cash you can reach in a day. These guides explain how to size each one; they don't recommend insurers or policies.

Work out your term cover How much health cover? Start here

Life insurance

How Much Term Life Insurance Do You Need?

The common advice is '10x your annual income' — but is that enough? Here's the actual formula financial planners use, and how to calculate the exact cover your family ne…

9 min read · Read guide →

Term Insurance vs Investment Plans: Why You Should Keep Them Separate

ULIPs and endowment plans promise insurance plus returns. But this mix often delivers the worst of both worlds — inadequate cover and poor returns. Here is why pure term…

5 min read · Read guide →

NRI Term Insurance in India: Rules, Cost, Tax and How Much Cover

Can NRIs buy Indian term insurance? Yes. Here is how to buy from abroad, pay premiums, compare with US/UK/UAE cover, handle tax and size the cover correctly.

11 min read · Read guide →

Health insurance

How Much Health Insurance Does a Family Need in India? A Simple 2026 Framework

A family of four needs about ₹20–25 lakh of health cover, built as a ₹5–10 lakh family floater plus a super top-up, with a separate policy for parents. Here is how the n…

9 min read · Read guide →

Protection calculators

Term insurance calculator

The life cover your family would need.

Health insurance calculator

Family health cover for your city and ages.

Emergency fund calculator

How many months of expenses to keep, and where.

More guides

Income Tax GuidesRetirement GuidesLoan Guides Mutual Fund Guides NRI Planning Hub Free financial health check All free calculators

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Add your income, savings, loans and cover, set your goals, and see whether you're on track.

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Frequently asked questions

How much term insurance do I need?
Enough to replace your income for the years your family depends on it, plus any loans, minus what you have already saved. Ten times your income is a common shortcut, but it can be far off in either direction. The term insurance calculator and guide work it out from your own numbers.

Can NRIs buy term insurance in India?
Yes. NRIs can buy term cover from any life insurer registered with IRDAI; RBI's FEMA rules on insurance allow policies for people living outside India. How the claim can be paid out abroad depends on how the premiums were paid, which the NRI term insurance guide explains.

How big should an emergency fund be?
About 4 months of essential expenses for a household with two steady incomes, 6 months with one salary, and 9 to 12 months if your income is irregular. Keep the first month or two in a savings account and the rest somewhere you can reach within a day, such as a liquid fund.