At Gada Insurance Consultancy, we believe informed customers make the best decisions. Our Resources Hub provides everything you need—guides, tools, partner information, support materials, updates, and expert insights.
We proudly work with India's most trusted insurance companies to bring you the best coverage options.
HDFC ERGO
Health, Motor & Cyber
ICICI Lombard
General & Health
Star Health
Health Specialist
New India Assurance
General Insurance
National Insurance
Property & Fire
TATA AIG
Premium Protection
Bajaj Allianz
General Insurance
Reliance General
Health & Motor
Care Health
Health Insurance
Max Bupa
Health Insurance
Manipal Cigna
Health & Wellness
Universal Sompo
Versatile Solutions
We collaborate with leading banks and NBFCs for loans, wealth management, and financial services
We assist with: Home Loans • Personal Loans • Business Loans • Loan Balance Transfers • Investment & Wealth Planning
Comprehensive guides, reports, and resources to help you make informed insurance decisions
A complete overview of how health insurance works, what cashless benefits mean, how claims are filed, waiting periods, and how to compare plans based on room rent limits, co-pay, and network hospitals.
Explains Human Life Value (HLV), term riders (critical illness, accidental death, waiver of premium), how to pick a suitable sum assured, and common myths about term plans.
Detailed explanation of building vs. contents coverage, burglary cover, natural calamity protection, reinstatement value vs. market value, and the importance of add-ons.
Breakdown of online fraud scenarios, UPI scams, identity theft risks, SIM swap fraud, phishing attacks, and how cyber protection keeps your finances safe.
Data-backed analysis of policy trends, claim settlement, and IRDAI changes.
Read Report →Statistics on digital fraud and predicted cyber crime trends for India.
Read Report →Study on medical inflation and how insurers adapt with OPD benefits.
Read Report →A family of four was paying for multiple overlapping policies. We consolidated their coverage into a single comprehensive plan, reducing premium and increasing benefits.
A warehouse fire claim was initially rejected due to improper documentation. Our intervention ensured proper assessment and faster approval.
A mid-sized IT company reduced annual premium by 18% while upgrading maternity and OPD coverage for all employees.
Use our free calculators to plan your insurance and financial needs with precision
Calculate how much term insurance coverage your family needs based on your income, liabilities, and future goals
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Term insurance ensures your family can maintain their lifestyle and meet financial goals even in your absence. We calculate based on:
Get instant premium estimates for your family's health insurance coverage with personalized recommendations
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Premium Plan
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| Feature | Basic | Standard | Premium |
|---|---|---|---|
| Pre-hospitalization | 30 days | 60 days | 90 days |
| Post-hospitalization | 60 days | 90 days | 180 days |
| Room Rent Limit | 1% of SI | 2% of SI | No Limit |
| No Claim Bonus | 10% | 20% | 50% |
| Pre-existing Waiting | 4 years | 3 years | 2 years |
Premium estimates are based on age, family composition, city tier, sum insured, and medical history. Actual premiums may vary by insurer. Pre-existing conditions typically have waiting periods of 2-4 years. Family floater plans are cost-effective for families but share the sum insured among all members.
Calculate your car or bike insurance premium with add-ons and get instant IDV suggestions
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| Coverage | Third Party | Comprehensive |
|---|---|---|
| Third Party Liability | ||
| Own Damage | ||
| Theft Coverage | ||
| Add-ons Available |
IDV (Insured Declared Value) is the current market value of your vehicle. Lower IDV = lower premium but also lower claim amount.
NCB (No Claim Bonus) can save you up to 50% on own-damage premium. It's transferable when you switch insurers.
Plan your golden years - calculate how much you need to save for a comfortable retirement
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We calculate the corpus you'll need at retirement by projecting your current expenses with inflation. The calculator accounts for investment returns during accumulation and post-retirement phases.
Rule of thumb: You need 25-30x your annual expenses as retirement corpus. Start early - even ₹5,000/month SIP for 30 years at 12% return can build a ₹1.76 Cr corpus!
Plan any financial goal - home, car, education, vacation - with systematic investment planning
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SIP (Systematic Investment Plan): Invest fixed amount monthly in mutual funds. Benefits: Rupee cost averaging, disciplined investing, flexible.
Lump Sum: One-time investment. Best when you have a windfall and markets are favorable.
ULIP: Combines insurance + investment. Tax benefits under 80C. Lock-in period applies.
Calculate your tax liability and discover how much you can save with smart investments under Indian tax laws
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| Item | Old Regime | New Regime |
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| Gross Income | ₹0 | ₹0 |
| Deductions | ₹0 | ₹50,000 |
| Taxable Income | ₹0 | ₹0 |
| Total Tax | ₹0 | ₹0 |
Section 80C (₹1.5L): PPF, EPF, ELSS, Life Insurance, NSC, Tax-Saver FD, Home Loan Principal, Tuition Fees
Section 80D: ₹25,000 for self/family health insurance + ₹25,000 for parents (₹50,000 if senior citizens)
Section 24(b): Home loan interest deduction up to ₹2 lakhs for self-occupied property
HRA: Least of: Actual HRA, 50% of salary (metro) / 40% (non-metro), Rent paid - 10% of salary
Documents, timelines, and steps for cashless or reimbursement claims.
Download PDFAnnual review points: coverage, exclusions, network, premium changes.
Download PDFQuick instructions for fire, accident, hospitalization, or cyber scam incidents.
Download PDFClear definitions of key insurance terms to help you understand your policies better.
Deductible
Amount you pay before insurance kicks in
Sum Assured
Maximum coverage amount in your policy
Co-pay
Percentage you share in claim amount
Learn insurance basics and best practices through our video series.
Useful government portals, emergency contacts, and industry associations
Policy verification & complaints
Report fraud: 1930
Public health schemes
24×7 Claim Support
Partner insurer helplines
Cyber Scam Hotline
1930
Medical Emergency
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