Term Insurance & Health Insurance ఎంత తీసుకోవాలి?

Most people buy insurance without calculating the actual protection their family needs. Some people take only ₹50 lakh or ₹1 crore term insurance and think it is enough. Some families depend only on employer health insurance. But with rising expenses, loans, children’s education costs, medical inflation, and lifestyle needs, under-insurance can become a serious financial risk. In this video, we explain how much term insurance and health insurance your family really needs. You will learn: How to calculate term insurance cover Why ₹1 crore may not be enough for many families Human Life Value method for insurance planning How loans, dependents, income and inflation affect term cover How much health insurance is required for metro, tier-2 and smaller cities Family floater vs individual health insurance Why employer health cover is not enough Why buying insurance early saves money Common insurance mistakes to avoid Life-stage wise insurance starter pack Checklist to know whether your family is adequately covered This video is useful for young professionals, newly married couples, salaried employees, business owners, parents and anyone who wants to protect their family financially. Insurance is not an investment. It is family protection. Buy the right cover, at the right age, with the right calculation. Gali Sarish Hemavarna Financial Services ARN: 88833 EUIN: E078724 Website: www.hvfs.co.in Disclaimer: This video is only for educational and awareness purposes. Insurance products are subject to terms, conditions, exclusions, underwriting rules and insurer approval. Please read policy documents carefully before buying any insurance product. Gali Sarish is a seasoned financial educator, NISM CPE Trainer, and wealth professional with 18+ years of experience across stock markets, mutual funds, derivatives, insurance, macroeconomics, and financial planning. He has trained 10,000+ students, investors, and professionals on topics such as mutual funds, stock markets, RBI policies, insurance, financial planning, and wealth creation. Through this channel, the mission is to spread financial literacy in Telugu and help individuals make smarter financial decisions with clarity and discipline. 📌 Topics Covered: • Mutual Funds & Portfolio Analysis • Stock Market Basics & Technical Analysis • Financial Planning & Wealth Creation • Life & Health Insurance Awareness • Retirement Planning & Goal-Based Investing • Tax Planning & Risk Management • NISM Exam Preparation & Financial Education 🔗 Useful Links: Mock Tests: https://clppenny.page.link/GRGx Mutual Fund Investments: https://hvfs.investwell.app/app/#/login https://www.assetplus.in/mfd/HVFS2016 Risk Profiling Tool: https://forms.zohopublic.in/varnas1/f... Health Insurance: https://www.careinsurance.com/HP/gali... Website: https://www.hvfs.co.in Whatsapp Channel Link https://whatsapp.com/channel/0029VaA2... ⚠️ Disclaimer: Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. This channel is meant purely for educational and awareness purposes and should not be considered investment advice. #TermInsurance #HealthInsurance #InsuranceTelugu #FamilyProtection #FinancialPlanning #PersonalFinanceTelugu #LifeInsurance #InsuranceAwareness #FamilyFloater #TermPlan #GaliSarish #HemavarnaFinancialServices #TeluguFinance #MoneyManagement #FinancialEducation #InvestWithGSarish #TeluguFinance #FinancialEducation #MutualFunds #PersonalFinance #WealthCreation #FinancialPlanning #InsuranceAwareness #NISM #StockMarketTelugu