Why combine insurance and emergency cash?

They are different protection layers. The combined dashboard shows the household picture while preserving the separate gaps.

Is the total gap a recommended insurance amount?

No. It is the arithmetic sum of three planning gaps and should not be treated as a product recommendation.

Yes. If your entered cover and reserves meet or exceed your selected targets, the positive gap is shown as zero.

Household balance-sheet view

Insurance Gap Calculator

See life cover, health cover and emergency-liquidity gaps together. The total is a planning dashboard, not a recommended premium or policy size.

Enter current cover

Life protection target (₹)

Existing life cover (₹)

Health protection target (₹)

Current health cover + usable employer cover (₹)

Essential monthly expenses (₹)

Emergency reserve target (months)

Current emergency cash / near-cash reserve (₹)

Total positive gap

₹0

Life gap

₹0

Health gap

₹0

Liquidity gap

₹0

Three layers of household protection

Life protection helps replace the economic contribution of an earning household member. Health protection aims to reduce the chance that a major medical event consumes long-term savings. Liquidity lets the family pay for ordinary shocks without selling long-term assets at the wrong time.

The calculator keeps these layers separate because they need different solutions and behave differently under stress.