The PaisaExpert guide to
Insurance
Right cover for term life, health, motor and travel, and which insurances aren't worth buying.
Start with this guide
How much term-life cover do you actually need?
Most agents will quote you 10× your salary. The honest number is usually 15-20×, and the 'human life value' method is the only one that holds up.
Read the guideWork out your number first
All calculators
Most opened
What's That Daily Habit Costing You?
Coffee, Swiggy, OTT, see what they really cost over 10 years.
Most opened
Subscription Killer
List every auto-debit. See the annual damage you didn't notice.
Term Life Cover Calculator
Human-life-value method, the right number, not the salesman's pitch.
Health Insurance Coverage
How much cover, city-by-city, for your family.
More in Insurance
How much health insurance does a family actually need?
Term insurance vs ULIP: why mixing the two costs you
Why health insurance claims get rejected in India
Critical illness vs personal accident cover: who needs it
Do you need health insurance in your 20s in India?
Own damage vs third party car insurance, in plain English
Health insurance waiting periods, and when your cover really starts
Health insurance for parents in India: cover and the 80D deduction
Topics we cover in Insurance
Term life
The full guide on Term life is being written.
Health insurance
Motor & NCB
The full guide on Motor & NCB is being written.
Travel cover
The full guide on Travel cover is being written.
Insurances to avoid
The full guide on Insurances to avoid is being written.
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