RIA Mode — AI & Insurance

AI Chat Advisor, Insurance Overview, Life & Health Gap Calculators

9:41
M

MIA

My Intelligent Analyst
MIA
Good morning, Arjun. Your portfolio is up 2.3% this month. I noticed your emergency fund allocation is below the recommended 6-month threshold. Would you like to explore options?
Yes, how much should I have in my emergency fund?
MIA
Based on your monthly expenses of ₹1.2L, I recommend maintaining ₹7.2L in liquid funds. You currently have ₹4.8L.
Recommended Action
Move ₹2.4L from savings to a liquid fund over 3 months (₹80K/month)
What about my tax-saving investments?
Tax Planning Goal Review Rebalance
Ask MIA anything...
AI Chat Advisor
9:41

Insurance

Coverage overview & gap analysis
Overall Coverage Score
65%
Covered
Coverage Gap Detected
Life cover deficit of ₹85L identified based on your income & dependents
Term Life Insurance
HDFC Life Click 2 Protect
₹1 Cr
Active
Health Insurance
Star Health Family Floater
₹15L
Active
Critical Illness
No policy found
--
Not Covered
Personal Accident
Bajaj Allianz PA Cover
₹50L
Active
Insurance Overview
9:41

Life Cover Gap

Human Life Value method analysis
Coverage Gap
₹85,00,000
Deficit - Immediate action recommended
Required: ₹1.85CrCurrent: ₹1Cr
Assumptions
Age: 32 Retire: 60 Inflation: 6% Dependents: 3
Needs Breakdown
Income Replacement (28 yrs)₹1.20 Cr
Outstanding Loans₹32L
Children's Education₹25L
Emergency Buffer₹8L
Total Required ₹1.85 Cr
Existing Cover₹1.00 Cr
Coverage Gap ₹85L
Life Gap Calculator
9:41

Health Cover Gap

Medical expense projection analysis
Recommended Health Cover
₹50,00,000
Partially covered — ₹35L gap
Recommended: ₹50LCurrent: ₹15L
Family Members
Self (32) Spouse (30) Child (4) Parents (58, 55)
Cost Scenarios (2026 prices)
Cardiac Surgery
₹8-12L avg.
Covered
Cancer Treatment
₹15-30L avg.
Gap
Joint Replacement
₹5-8L avg.
Covered
ICU (30 days)
₹10-20L avg.
Gap
Medical inflation at 14% p.a. — ₹15L today = ₹56L in 10 years
Health Gap Calculator