Insurance tools
What a policy really costs and pays, worked out with plain maths. Educational, not advice. 12 free tools, with no sign-up. Nothing you enter leaves your device.
Insurance basics 3
- Insurance terms explainedSearch about 40 insurance words in plain English, each with a tiny worked number, and filter by country and type of cover. #T824
- Should I insure this?Compare a cover's price with the chance and size of the loss, and see the most it is worth paying for you, based on how much risk you can take. #T825
- Policy fine-print finderPaste policy wording or open a text or PDF file and see the clauses that most often surprise people, highlighted with the numbers inside them and a question to ask. #T826
Health and dental 2
- Health plan cost comparerCompare 2 to 4 health plans by premium, deductible, your share, out-of-pocket maximum and plan maximum, and see the spend where the cheaper plan changes. #T827
- Room rent limit and proportionate deduction (India)Enter your sum insured, the room rent limit, the room you chose and the bill, and see what the insurer pays and how much the room choice costs you. #T828
Car and bike 3
- Car insurance deductible chooserCompare two insurance quotes with different deductibles. See the break-even claim rate, the expected saving and the chance the higher deductible wins. #T830
- Claim or pay for the repair yourself?Work out whether a small car repair is worth claiming, by comparing what the claim pays with the extra premiums from losing your no-claim discount. #T831
- IDV and NCB calculator (India)Work out your car's insured declared value (IDV), your no-claim bonus and what a repair claim pays with and without a zero-depreciation add-on, for private cars in India. #T832
Life 3
- Endowment, money-back and ULIP return (IRR)Find the real yearly return (IRR) of an endowment, money-back or ULIP policy from its premiums and payouts, and compare it with buying term cover and investing the rest. #T833
- How much life insurance do I need?Estimate how much life cover your family needs with three standard methods side by side: the needs approach, human life value and DIME. #T834
- Fair price of a term life quoteWork out the fair yearly price of a term life policy from death chances and compare it with the quote you were given. #T835
Home and contents 1
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