Calculator — Overpay check
Same flat fee on every planAm I paying too much?
Tell us your premium, cover and age. We'll compare against peer p50 and p75 — and show you 2 alternatives at the same cover for less.
Three inputs.
Age
Current cover
Annual premium you pay today
Anonymous. No phone, no signup.
Methodology
Verdict classifier compares your premium to the peer-cohort p50 + p75 in our benchmarks table (IRDAI 2024-25). 'Overpaying' when premium > p75 and cover ≤ peer median.
Read the full methodology →Want the exact number — not an estimate?
Connect your Gmail (read-only). We'll find your existing insurance and tell you whether you have a gap, you're overpaying, or you're set — in 30 seconds.
Find my right cover →