LIFE · HEALTH · CRITICAL ILLNESS · ACCIDENT · RETIREMENT · CHILD EDUCATION
Set your own health cover target — independent of income. Medical inflation runs at 10–15% annually. Plan by family size & city.
CI cover should replace income for 3–5 years & cover treatment costs. Cancer, heart attack, stroke are top claims.
PA cover handles disability & accidental death. Should cover at minimum 5–10× annual income.
Required corpus funds monthly expenses from retirement until life expectancy — inflation-adjusted.
Future education cost grows at inflation rate. Existing savings grow at expected return rate.