The one financial decision
most Indians are still avoiding.
62% of hospital bills in India are paid from savings or borrowed money. 83% of Indians are underinsured. These are not statistics — they are your neighbours' stories. Let's make sure this isn't yours.
Medical inflation p.a.
Highest in Asia
Highest in Asia
Hospital bills paid
out of pocket
out of pocket
Families borrow to
pay hospital bills
pay hospital bills
5.2 yrs
For medical costs
to double at 14%
to double at 14%
Your Age
30 yrs
Family Size
3 members
Current Health Cover
₹5L
Projection Years
10 yrs
Your ₹5L cover will be worth
—
in today's purchasing power after 10 years
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Cover Adequacy for Your Family
—%
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What a Cardiac Bypass will cost — at 14% medical inflation
⚠ What Happens Without Cover
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✓ With Adequate Cover
Cashless hospitalisation — no savings depleted
No borrowing from family, employer, or bank
Investments untouched — your SIPs keep compounding
Section 80D tax benefit — up to ₹25,000/year deduction
✗ Without Adequate Cover
62% paid from savings — years of effort wiped out
23% borrow — post-medical debt lasts years
SIPs broken to fund the emergency — compounding destroyed
No 80D benefit — paying more tax than needed
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Your current cover may not be enough.
A 10-minute conversation with an Arthvaad advisor will tell you exactly what cover your family needs — and how much it actually costs.
India's life insurance
protection gap
protection gap
Indians are critically
underinsured
underinsured
Have adequate
term insurance
term insurance
₹800/mo
₹1Cr cover
for a 30yr old
for a 30yr old
Monthly Take-Home Income
₹75,000
₹
Your Age
30 yrs
Existing Liabilities (Home loan etc.)
₹25L
Your Existing Term Cover
₹0
Recommended Term Cover for Your Family
—
based on 15–20× annual income + liabilities
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Your Protection Coverage
—%
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⚠ What Your Family Faces Without Adequate Cover
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✓ With Adequate Term Cover
Home loan fully repaid — family keeps the home
Income replaced — 10 years of expenses secured
Children's education — no compromise on their future
Section 80C benefit — premium deductible up to ₹1.5L
✗ Without Adequate Cover
EMIs continue — family may lose the home
No income replacement — savings run out in months
Education sacrificed — children's plans disrupted
Spouse re-enters workforce — under extreme duress
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Your family deserves better than a gap.
A 10-minute Arthvaad consultation will give you the exact cover amount, the right insurer, and a premium that fits your budget — today.