About nyvo
Insurance advisory built for Indian families. Claims-first, salaried rather than commission-linked, and focused on what actually matters when you need it most.
Looking for investment advisory? nyvo Investment Advisors (SEBI IA INA000022172) lives at nyvo.money →
Who We Are
nyvo is an insurance advisory platform built for Indian families. We help you understand insurance, size the right cover, and handle claims end-to-end-without spam, product pushing, or unnecessary complexity.
We're regulated by IRDAI and operate as a licensed insurance intermediary. This means we can advise across multiple insurers (no conflict of interest), and we're accountable to the regulator for our conduct.
The Problem
Agents sell based on commission, not your actual need
Policies are bought purely based on premium, ignoring claims reality
When claims happen, you're left dealing with paperwork alone
Sales teams prioritize features over simple claim payouts
Our Founding Team
Built by experts who have seen the industry from the inside out.
Harsh Soni
Founder & CEO
16+ years in fintech, banking & investment banking
Deep expertise in financial products, risk, and claims
Ex-CFO at slice, built advisory processes
Saw recurring insurance failures across families
Why nyvo"Witnessed too many families lose money due to poor insurance decisions-either by chasing premium or by not understanding claims reality. Built nyvo to fix this."
Kshitij Jain
Founder
Ex-BCG consultant (strategy & operations)
IIM Ahmedabad & IIT Delhi alumnus
Deep analytical and problem-solving mindset
Brings systematic approach to insurance complexity
Why nyvo"Insurance is fundamentally a problem-solving industry, but it's often sold with poor processes. Saw opportunity to apply consulting rigor to help Indian families."
Why We're Different
Our core philosophy shapes every recommendation we make.
Claims-first Approach
We evaluate policies by how they behave during real claims, not marketing materials. Does cashless work? What's the actual payout?
Salaried Advisors, Not Commission-Linked
We're not tied to any single insurer. We advise across 30+ insurers based on your situation, not our commission.
Education-first
We publish 100+ free articles explaining insurance basics. You should understand insurance before buying it.
Hands-on Support
We don't just advise and disappear. We help with documentation, underwriting questions, and claim follow-ups.
Zero-spam Promise
We don't sell your data, bombard you with offers, or push products you don't need. Simple, actionable advice only.
What We Do
Comprehensive advisory across the most important insurance products.
Health Insurance
Sizing cover for your city and family. Base policy vs super top-up structure. End-to-end claims support during hospitalization.
Term Insurance
Precise cover amount calculation. Tenure selection. Cost comparison across insurers. Nomination setup and claim process handling.
Critical Illness
Understanding when to buy. How it fits with your base health and term plans. Decoding complex claim triggers and exclusions.
Fully Regulated
nyvo is officially licensed by IRDAI as an insurance intermediary. We play by the rules, ensuring your protection above all else.
WHAT THIS MEANS FOR YOU
- Regulated by the IRDAI
- Authorized to advise across multiple insurers
- Bound by strict conduct and suitability rules
- Accountable directly to the Insurance Ombudsman
Our Commitment to You
What you can always expect from us, and what you will never see.
We Commit To
- Honest advice: Suitability before sales
- Clear communication: Complex insurance in plain language
- Zero pressure: No sales calls, no deadline tactics
- Regulatory compliance: IRDAI standards in everything
- Claims support: We're here when you need us
We Never
- Sell your data
- Push products for higher commission
- Use high-pressure sales tactics
- Mislead on policy features
- Disappear after you buy
Frequently Asked Questions
How is nyvo different from traditional insurance agents?
Traditional agents sell based on commission and make money when you buy (incentive to sell more/expensive products). nyvo advises based on your situation; our model focuses on long-term relationships, not one-time sales.
Will you always recommend the cheapest insurance?
No. We recommend insurance that's suitable and has good claims behavior, which sometimes costs more than the absolute cheapest option. Premium alone is not the deciding factor.
Can I trust nyvo to not push unnecessary insurance?
Yes. If we believe insurance is unnecessary (e.g., single person with ₹1Cr savings), we'll tell you. We'd rather lose a sale than recommend unsuitable insurance.
Can I buy insurance directly from the insurer instead of through nyvo?
Absolutely. Direct and through-agent policies are identical (same terms, same premium, same claim process). We're not necessary for the transaction, but we add value through advice and claims support.
See How nyvo Stacks Up
Wondering how we're different from the big names? We've done the comparison for you.
nyvo vs Leading insurance marketplace
Why an unbiased advisor beats an aggregator marketplace. See the key differences in advice model, claim support, and transparency.
See comparisonnyvo vs Other insurance advisory platform
Both are advisory-first, but the approach differs. Discover how nyvo's holistic coaching and claims-first model compares to Other insurance advisory platform.
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