Personal Risk Intelligence

Understand yourrisk. Protectyour future.

Insurwise helps every individual and family identify, understand and prepare for life's financial risks — before they become financial crises. Not a comparison portal. A protection intelligence platform.

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Protection Score

Protection Gap

₹42L

Estimated shortfall vs. recommended cover

Income Protection ·

Health ·

Family ·

Home ·

Motor ·

Digital ·

SME ·

Income Protection ·

Health ·

Family ·

Home ·

Motor ·

Digital ·

SME ·

Why we exist

A manifesto for the under-protected.

Most Indians are dangerously under-protected.

Most Indian households lack income protection and have inadequate health cover. A single medical emergency can undo a decade of savings. We exist to change that.

Protection begins with understanding, not selling.

We are not a comparison portal. Before anyone talks about products, we help you understand where your real financial risks are — clearly, honestly, without jargon.

Intelligence should be personal.

Your risks are shaped by your income, family, home, health and habits. Our tools translate all of that into a personal risk picture you can actually act on.

Trust first. Transactions later.

Today we educate, assess and prepare — never solicit. Once licensed, Insurwise will grow into a full Protection Intelligence Ecosystem.

Interactive tools

Put a number on your protection.

All calculators

Income

Emergency Fund Calculator

Find how large your safety buffer should be.

Income

Income Protection Calculator

Estimate the cover needed to replace lost income.

Family

Life Insurance Calculator

A human-life-value estimate for your family.

Reports & Research

The state of protection in India.

Life Cover

~83%

of Asia-Pacific mortality protection needs are uncovered

The Mortality Protection Gap

Source: Swiss Re Institute — sigma No 5/2020

Health

~14%

reported annual medical cost inflation (India, 2024)

Medical Inflation in India

Source: WTW Global Medical Trends Survey (2024)

Research

4.0%

of GDP — total insurance penetration (life + non-life, FY22–23)

Insurance Penetration in India

Source: IRDAI Annual Report 2022–23

All figures cited above are published by third-party organisations (IRDAI, Swiss Re Institute, WTW). Follow the links on each card for the original source.

Learn something that protects you.

Learning Centre

6 min read

What happens to your family if your income stops for 6 months?

Income is the engine behind every financial goal. We break down how to build a protection buffer that survives job loss, illness and disability.

8 min read

How much health insurance do you actually need in India?

Medical costs in India climb roughly in the low-to-mid teens each year. Here's a simple framework to size your cover by city, age and family.

7 min read

The real cost of raising and educating a child in 2035

Education costs are compounding faster than most portfolios. See what future planning looks like today.

The road ahead

Coming soon to Insurwise.

After the necessary regulatory approvals, Insurwise will grow into a full Protection Intelligence Ecosystem.

Personal Insurance Dashboard

Policy Vault

Renewal Reminders

Claims Assistance

Risk Monitoring

AI Protection Recommendations

Income Protection

EMI Protection

Home Protection

Motor Protection

Cyber Protection

Employee Benefits

Know where you stand in 2 minutes.

Take the free Financial Risk Assessment. No sign-up. No sales. Just a clear picture of your protection.

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