Stop Guessing. Let Your Personal Data Decide.

1. The Erosion of Security

The systematic process of identifying and mitigating threats to financial security.

⚠️ The Healthcare Inflation Gap
Healthcare costs are rising faster than standard savings inflation. Your savings are losing purchasing power every year.⬆️ 14–15%Annual Healthcare Inflation (India)📉 ~6%Standard Savings Inflation RateOne life extinguished every 3.1 minutes.
Approximately 4.5 lakh deaths occur daily on Indian roads. (Source: Ministry of Road Transport & Highways)

2. Strategic Mitigation Framework

Strategic frameworks required for long-term financial survival.

🏃 The 30-Year Marathon.
Long-term risk requires stamina, not sprinting. Build your wealth to sustain the length of a worthy career.

The Emergency Fund

6–12 Months of Expenses — Your first line of defence
Dual Income: 6 months of expenses
Single Income / Freelance: 12 months of expenses

Your Risk Score

🫀 Health Risk72 / 100💰 Income RiskHIGH🛡️ Life RiskLOW🏥 Critical Illness RiskHIGH

3. The Burden of Lifestyle Disease

Lifestyle diseases are the silent epidemic of modern India.

24.8%Cardiovascular Diseases — of all deaths10.2%Respiratory Diseases — of all deaths

Source: Global Burden of Disease Study, India

🚨 These aren't just numbers. They represent real families, real incomes, and real futures at risk.

4. The 20X Rule for Protection

✅ Ensure your life cover is at least 20 times your annual income.

If you earn ₹10 Lakhs per year, your life insurance cover should be at least ₹2 Crores. This ensures your family can maintain their lifestyle for decades after your income stops.

5. Recommended Coverage Levels

Standard Protection vs. Reality

Risk Category	Recommended Coverage
🔹 Term Life Insurance	10–20x Annual Income
🔹 Health Insurance	₹10–20 Lakhs (Base) + Super Top-up
🔹 Personal Accident	₹25 Lakh – ₹1 Crore

💡 Remember: These are minimums. Your actual needs depend on your unique family situation, liabilities, and goals.🛡️ STOP GUESSING. LET YOUR PERSONAL DATA DECIDE.

INDIA'S 360° AI-POWERED RISK PLATFORM
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Disclaimer: The information shared is for awareness and education only. Map My Risk provides risk insights and does not sell financial products. Always consult a SEBI/IRDAI-registered financial advisor before purchasing any insurance policy. Read policy terms carefully.

Want to take active steps?
Use Map My Risk's unbiased Indian family emergency calculators to shield your loved ones.

#RiskManagement#FinancialPlanning#LifeInsurance#HealthInsurance#20XRule#LifestyleDisease#EmergencyFund#MapMyRisk

Related calculators

Term insurance calculator: Work out how much life cover your family needs from your income, loans and savings.
Health insurance cover calculator: Check your family’s health cover against a base floater and a super top-up.

Map My Risk: check your family's financial risks