Everything you need to understand your protection picture — across income, health, home, business, and future. Written by underwriters, not marketers.
After 25 years designing insurance products in India, I knew what women's risk looked like from the insurer's side. What I didn't know was how invisible it was to the women carrying it.
Read article →Your employer health cover ends the day your employment does. Most women only discover this at the worst possible moment. Here's what to do before that moment arrives.
Most people assume it does. It doesn't cover a single thing that belongs to you.
Most founders have sorted one dimension of risk and left the other two to chance.
1 in 4 women report missing work during perimenopause. The cost is real, significant, and almost entirely unprotected.
A two-year career break reduces your retirement corpus by more than most women calculate.
The average Indian household contains Rs 5–15 lakh worth of contents. Almost nobody has cover for it.
A 45. A 72. A 28. Here's exactly how your score is calculated and what each band tells you.
A 20-question protection readiness assessment. Here's what it is, how it works, and whether it's for you.
Pulled in both directions. The financial and protection gaps that women in the middle carry — and rarely name.
Incubators teach you to build. Nobody teaches you what happens to your business if you can't show up.
You know your burn rate to two decimal places. Can you answer five questions about your own protection? A reality check for women running businesses.
PCOS affects up to 30% of Indian women of reproductive age. Here’s what your health policy actually says about it — and what to do about the gaps.
1 in 5 Indian women has PCOS. Thyroid disorders affect women at five to ten times the rate of men. And most standard health policies treat these as exclusions.
Most employer health cover lapses the day you resign. Here’s what that means, who it hits hardest, and what to have in place before it happens.
When you were salaried, your employer’s policy covered you from day one. The day you went independent, it stopped. Most people only realise this too late.
India recorded 13.42 lakh UPI fraud cases in FY24. Only 6% of stolen funds were recovered. Women are among the most targeted segment.
What professional indemnity insurance covers in India, what it costs (₹8,000–30,000+/year), and who actually needs it. A plain-English guide.
What health insurance actually covers for Indian women, where standard policies fall short, and what it costs. A clear, judgment-free guide.
How group health insurance works for small Indian businesses — minimum team size, per-employee cost (₹5,000–25,000), and how to set it up.
What cyber insurance covers for small Indian businesses, what it typically costs (₹15,000–90,000+), and the security basics insurers expect.
11,223 Indian startups closed in 2025. The reasons everyone talks about are market fit and cash flow. The reason nobody talks about is the founder herself.
Revenue stops. Fixed costs don’t. Rent, salaries, EMIs, software — they keep running whether you’re there or not.
When the person who managed the finances is suddenly gone, families don’t just face grief. They face a paperwork crisis. Nominees not updated. Accounts nobody knew about.
If you couldn’t work for three months, what would actually carry you financially? An honest look at the income gap most working women haven’t planned for.
The average Indian woman lives three years longer than the average Indian man. Women’s pensions are 25–30% lower. Most women can’t say what they’ll need.
Three women, three decisions made not out of fear — but because they wanted freedom to move. What changes when you build your safety net before life asks.
It sounds exactly like what you need: your income, protected. Most products carrying that name pay your family after you die — not you, while you’re too sick to work.
There’s no single product in India that replaces your income. But two components, bought together, come closer than anything else on the market — and most women have never heard of either by name.
India gives most employees 6 to 12 paid sick days a year. A real illness or injury can use that up in under two weeks. Here’s exactly what happens on the day after.
Most business owners don’t draw a fixed salary — they take what’s left. When personal and business money share an account, a bad month for the business becomes an instant pay cut, with no notice and no severance.
Institutional investors increasingly won’t close a round without it. It protects your board, not your product — and most founders only hear about it days before the wire is due.
Hiring your first employee isn’t just payroll and a POSH policy. It’s the moment you become personally exposed to claims of wrongful termination, harassment, and discrimination — with or without fault.
A client says your advice cost them money. A client slips in your office. Two completely different risks, two completely different policies — and most consultants only carry one of the two.
Since 2022, Indian law requires any cyber incident reported within 6 hours of detection — regardless of size or severity. Most small business owners have never heard of this rule, let alone built a plan around it.
You don’t have servers or an IT team. But your UPI account is your entire income pipeline, and one scam call can freeze it. Cyber protection looks different when you’re the only employee.
Several states cut your stamp duty for registering property solely in your name. Fewer people mention what that single decision changes about succession, nominees, and home insurance.
Without one specific clause, your life insurance payout can be claimed to settle someone else’s debts before your family sees a rupee. Here’s what actually protects it — and it’s not the nominee field.
Only 24% of Indian women have retirement savings in their own name. Of those who do start, most pick one tool and assume it’s enough. Here’s what each one actually does — and doesn’t.
Cancer treatment in India can exceed Rs 10 lakh, and 62.7% of cancer patients face catastrophic health expenditure. Critical illness cover — at just 8% penetration in India — pays a lump sum directly to you, not the hospital.
₹8,974 crore is sitting unclaimed with Indian insurers right now. A large share of it is stuck for one avoidable reason: a nominee was never named, or never updated.
It takes families an average of 3-6 weeks to locate all the accounts, policies, and documents someone leaves behind — not because the information doesn’t exist, but because nobody else knew where to look.
Most standard policies exclude OPD consultations and fertility treatment, and carry waiting periods for PCOS, thyroid, and pregnancy complications — the three most common health concerns for Indian women.
Less than 5% of small business owners and freelancers in India carry professional indemnity cover. A single client dispute can cost ₹2-10 lakh in legal fees alone — before anyone’s decided who’s actually right.
25% of women in perimenopause report missing work because of it. PCOS affects up to 30% of Indian women. Most health policies still treat both as exclusions, not coverage priorities.
Women hold 39.6% of India’s bank accounts — but over 32% of women-owned accounts sit inactive. Having an account and actually using one as your own turn out to be two different things.
Most people assume their joint account means instant access in an emergency. Often it doesn’t — a small, easily-missed distinction can mean the account freezes instead of staying open.
Only 3% of India’s 62 million business owners carry SME insurance. A single fire incident at a small retail business can cost anywhere from Rs 5 lakh to Rs 2 crore.
Maternity insurance in India typically carries a 9-month to 4-year waiting period before it pays out anything. Private delivery costs range from Rs 40,000 to over Rs 2.5 lakh, rising 18-20% a year.
A rejected claim is not a final decision — it’s the first step of a formal, free, time-bound appeal process. Here’s the escalation ladder, and the one deadline that controls everything.
No Indian retail health insurance policy today covers menopause as a condition. Here’s what current policies do and don’t pay for — and the 40s protection plan that works.
Your group health cover ends on your last working day. The full checklist — insurance, emergency fund, EPF, investments — for before and during the break.
Understand your protection picture — how it works, what it means
Three articles that explain the methodology, the scoring, and why we built this for Indian women.
Uncover maps your protection picture across all six areas. Score, landscape, and specific actions — in one place.
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