What is a health insurance coverage calculator?

A health insurance coverage calculator is a free tool that helps you estimate how much medical cover you may need based on your age, city type, hospital preference, and family size.

How does this calculator work?

It uses basic logic based on rising healthcare costs and your inputs like age, city, and hospital type to recommend a health insurance cover.

Is this calculator really free?

Yes. It’s completely free to use with no sign-up or payment required.

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Can I use this for my parents or family?

Yes, just update the inputs like age and family size to reflect their situation. The result will adjust accordingly.

Do I still need to speak with an insurance advisor?

This calculator gives a suggested coverage amount, but it’s wise to talk to a licensed insurance expert before making a final decision.

Unbeatable 7 LIC Best Plan 2025 – Which One Wins?

LIC Best Plan 2025—What’s Hot and Happening?

If you’re typing LIC best plan 2025 into Google, you are looking for the top offerings from LIC this year—and honestly, there’s plenty to get excited about. With LIC rolling out new plans like Jeevan Utsav, revamped pension schemes, and perennial crowd-pleasers like Jeevan Umang and Jeevan Labh, you’ve got options that mix returns, security, and tax perks galore.

What’s new in 2025?

LIC Jeevan Utsav: Launched recently, this plan gives guaranteed lifelong monthly income after you pay premiums for a fixed term—say, 5 or 16 years. You could lock in 10% annual returns on your sum assured, translating to ₹4,000–₹20,000 per month for life. bankbazaar.com
Pension plan—Saral Pension: A one-time investment can fetch a lifelong pension of up to ₹12,500/month. licindia.in

If you’re looking for steady post-retirement income, these newer options are turning heads.

The all-time favs: 2025’s top LIC winners

According to 2025 roundups, here are LIC’s strongest picks:

LIC Jeevan Umang—Whole-life coverage with annual survival benefits (~8% returns), plus maturity after age 100.
LIC Jeevan Labh—Limited premium endowment, strong bonuses, structured payout at term end.
LIC New Jeevan Anand—Participating plan with lifelong cover, maturity benefits, and attractive reversionary bonuses.
LIC Bima Jyoti—Budget-friendly endowment with lump-sum maturity and life cover.
LIC New Jeevan Amar (Term)—Pure protection plan with flexible sum assured and term options, including single/lump-sum or rising cover.

Also trending: LIC Index Plus, SIIP, Nivesh Plus—these ULIPs give market-linked exposure and flexibility

Which is the lic best plan 2025 for you?

Plan	Category	Why it’s top in 2025
Jeevan Utsav	Income + Life	New, lifelong monthly income after pay‑in; low risk, great for retirement
Jeevan Umang	Whole-Life Saving	You get survival benefit every year + big maturity lump sum
Jeevan Labh	Endowment	Good bonus structure and premium-term balance
New Jeevan Anand	Endowment	Lifelong cover with reversionary and final bonuses
Bima Jyoti	Budget Endowment	Simple, affordable, reliable maturity benefit
New Jeevan Amar	Pure Term Cover	Flexible term/sum assured options—excellent for protection needs
Index Plus / SIIP ULIP	Market-Linked	Choose risk level; potential for higher returns

Pro Tips to pick wisely

Align your goal—whether it’s retirement income, savings, or simply protection. For income, post-pay Jeevan Utsav is ideal; for lifelong cover, Jeevan Umang or Anand is solid.
Term matters—longer is generally better for bonuses.
Premium mode—Annual payments often boost returns.
Don’t bail early—surrendering cuts bonuses big time.
Tax perks—All these qualify for Section 80C and 10(10D)—tax-free goodies.

Final verdict – lic best plan 2025

For retirement income, go with Jeevan Utsav or Saral Pension.
For savings + insurance, Jeevan Umang, Jeevan Labh, or New Jeevan Anand are top-tier.
For pure protection, New Jeevan Amar is clean, flexible, and transparent.
For growth and flexibility, ULIPs like Index Plus or SIIP are promising but need a higher risk appetite.

Whatever you choose, just ensure it fits your life stage and cash flow.

Quick Q&A

Q1: What exactly is the LIC Best Plan 2025?
It depends. If you’re after lifelong payouts, Jeevan Utsav tops the list. If it’s combos of returns + life cover, Jeevan Umang/Labh/Anand are tough to beat.

Q2: Are ULIPs like Index Plus really worth it?
They offer market exposure and flexibility but come with charges. Think long-term (10+ years) and choose only if you can handle ups and downs.

Q3: Can I surrender early?
Technically yes, but you’ll lose out on bonuses and value—best to stay till maturity or the foreclosure period ends.

Q4: What tax benefits do these plans offer?
Premiums are eligible under 80C; death/maturity proceeds are tax-free under 10(10D), subject to conditions.

Q5: Is LIC still reliable?
Totally— LIC’s Q4 FY 25 results show a 38% profit jump and robust dividend payout, affirming its strength

Bottom line

If you’re googling LIC best plan 2025, you’ve hit the jackpot—LIC’s portfolio this year spans fresh income-centric schemes, powerhouse savings options, and flexible protection setups. Just pick the one that vibes with your financial goals—and let that plan do the legwork. Need help crunching numbers or comparing returns? I’ve got your back!