Different incomes, different families, different risks — your protection plan must match your life exactly. Choose your segment below.
Income: ₹3–8 LPA. Start small, stay fully protected. Build your family's safety net with the most affordable, high-impact coverage options available in India.
Term insurance protects your family's income. Personal accident covers disability. These two are non-negotiable for any earning member.
Start here firstFamily floater health plan prevents a single hospitalization from wiping out savings. Vehicle cover is legally mandatory and financially essential.
Add immediately afterStart NPS at even ₹500/month. The compounding effect over 20-30 years is transformational. Tax savings via 80C and 80CCD(1B) reduce your liability.
Build consistentlyIncome: ₹8–25 LPA. 360° protection for the salaried professional. Cover every risk, plan every goal, build a retirement corpus that lasts a lifetime.
| Feature | Employer Group Cover | Personal Cover (Recommended) |
|---|---|---|
| Validity | Only while employed | Lifetime portability |
| Sum Insured Control | Fixed by employer | You choose the cover |
| Family Coverage | Often excludes parents | Full family control |
| Critical Illness | Rarely included | Standalone CI available |
| NPS Contributions | 10% of Basic (employer) | +₹50K 80CCD(1B) extra |
| Job Loss Risk | Cover stops immediately | Cover continues regardless |
Net worth ₹2 Cr+ / Income ₹50L+. Comprehensive wealth protection, business continuity planning, and legacy transfer strategy for India's affluent professionals.
High-value term cover using HLV method. Premium global health insurance. Critical illness and personal accident with high sum insured.
Protect the person firstKey-man insurance. D&O liability. Fire, theft, marine, cyber coverage. Group health for employee retention. Business interruption cover.
Protect the businessEstate planning with insurance structures. NPS for tax-efficient retirement. Annuity planning for regular income. Trust structures for generational wealth.
Protect the legacyTake the 2-minute Suraksha Quiz — we'll identify your segment automatically and give you a personalized protection gap report.