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.
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 |
| 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 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.