Free Insurance Calculators for India

Estimate term cover, term premiums, health premiums and motor premiums in seconds. Indicative results, no sign-up, no fees — your data never leaves your browser. Available in English and Hindi.

100% Free No Sign-up Private by Design Hindi + English

All Calculators

Choose a calculator to get started — results update instantly as you type.

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Term Cover Calculator

How much life cover your family needs — Human Life Value method with full breakdown.

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Term Premium Estimator

Indicative annual term insurance premium by age, gender, smoking status and cover.

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Health Premium Estimator

Indicative family-floater health insurance premium by age, city and cover amount.

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Motor Premium Estimator

Indicative bike/car insurance premium from IDV depreciation plus third-party cover.

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Claim Settlement Ratio

FY 2023-24 claim settlement ratios of major Indian life insurers (IRDAI data).

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About InsuranceHub

InsuranceHub is a set of free, client-side insurance calculators built for India. Buying insurance involves big, long-term decisions — these tools help you arrive at sensible indicative numbers before you talk to an insurer or advisor. Term cover estimation uses the widely-used Human Life Value method; premium estimators use simplified illustrative rate tables. Every calculation runs entirely in your browser: there is no account, no tracking and no data collection.

Frequently Asked Questions

Are these insurance calculators really free?
Yes. All InsuranceHub calculators are 100% free with no sign-up. All calculations happen in your browser and your data never leaves your device.
Are the premium estimates accurate?
They are indicative estimates for guidance only. Actual premiums depend on the insurer's underwriting, your health profile, age and policy terms. Always confirm with the insurer or an IRDAI-registered advisor.
What is claim settlement ratio and why does it matter?
Claim settlement ratio is the percentage of claims an insurer settles out of those received. A ratio above 95% suggests the insurer reliably pays claims, which is why buyers compare it before choosing a policy.
Is my data safe on InsuranceHub?
Completely. InsuranceHub has no backend and sends nothing anywhere. Every calculation runs locally in your browser.
How much term insurance cover do I need?
A common method is the Human Life Value approach: (annual family expenses × years of support needed) + outstanding loans − existing life cover. Try our Term Cover Calculator for an indicative figure.