Kshitij Jain
Co-founder, NYVO
Kshitij brings the rigour of strategy consulting to the way Indian families should think about insurance. B.Tech in Chemical Engineering from IIT Delhi. MBA from IIM Ahmedabad as Institute Scholar (top 5%). Cleared all three levels of the CFA examination. He worked at Boston Consulting Group (BCG) and Essex Lake Group, then on the strategy team at slice, where he developed one of India's earliest need-based insurance mapping systems. At NYVO, he leads the analytical framework behind plan recommendations and the methodology that makes claim reliability measurable rather than marketed.
Why NYVO
When Kshitij's elder brother moved abroad, his parents lost their corporate health insurance overnight. Searching for a replacement, he found a market full of confusing jargon, conflicting reviews, and sales-driven recommendations. Kshitij wanted a solution that offered transparent, fact-based advice — not marketing pitches. NYVO is the answer he and Harsh built together.
Education
Credentials
- CFA — All 3 Levels Cleared (CFA Institute)
- Institute Scholar (top 5%), IIM Ahmedabad
- B.Tech Chemical Engineering, IIT Delhi
- IRDAI Certified Insurance Advisor
Career
- Co-founderNYVO Insurance Services LLP · 2025–Present
- Strategy & Partnershipsslice · Fintech Unicorn
- ConsultantEssex Lake Group
- ConsultantBoston Consulting Group (BCG)
Writes about
Articles by Kshitij Jain
38 articles on insurance, claims, and Indian family financial planning.
Term Insurance
₹1 crore term insurance costs: 30-year-old pays ₹9,500-12,000/year (male), ₹6,500-9,000/year (female). Smokers pay 40-60% higher. Detailed tables by age.
Best ₹1 crore term insurance plans in 2026: premium comparison, claim settlement ratio, and which plan to buy for 1 crore life cover.
Best ₹2 crore term insurance plans in 2026: premium comparison by age, CSR data, riders, and who actually needs 2 crore life cover.
Term insurance claim process: documents needed, step-by-step filing guide, and how to ensure fast settlement within 30-60 days.
Complete term insurance guide for India: how much cover you need, ideal tenure, best riders, honest disclosure tips, and claim checklist.
HDFC Click 2 Protect Life vs ICICI iProtect Smart: CSR, premium, riders, and payout comparison for 2026. Which term plan should you buy?
Calculate term insurance cover: liabilities + 10-15 year expenses + goals minus savings. Minimum ₹50-75L for most Indian families.
Joint life term insurance covers both spouses under 1 policy at 10-15% lower cost. Joint vs separate plans compared with real premiums.
Max Life Smart Secure Plus vs HDFC Click 2 Protect Life: CSR, premium, riders, payout options, and which term plan to buy in 2026.
Nominee vs legal heir in term insurance: who gets the payout, how to avoid disputes, and when to update your nomination after life events.
NRI term insurance in India costs 50-70% less than US/UK policies. Eligibility by country, NRE/NRO payments, and claim settlement guide.
Return of premium (ROP) term insurance costs 3-4x more than plain term. Compare ROP vs regular term pricing and find which option suits you better.
Term insurance riders explained: accidental death, critical illness, waiver of premium. Compare costs, claim triggers, and which riders are worth adding.
Smokers pay 40-60% higher term insurance premiums in India. Why full disclosure of tobacco use prevents claim rejection. Medical test details inside.
Term insurance tax benefits: up to ₹1.5L deduction under 80C (old regime). Death benefit 100% tax-free under Section 10(10D). Save ₹3,000-5,000/year.
How to choose term insurance tenure: cover till age 60-65 based on dependents and loans. Age-wise tenure recommendations with premium impact.
Term insurance after 40 in India: higher premiums, medical tests, what changes, and how to get the best plan if you haven't bought term cover yet.
Term insurance for homemakers: why housewives need life insurance, how much cover, best plans, and how to calculate the economic value of a homemaker.
Buying term insurance without an Income Tax Return is harder, not impossible. This guide explains which insurers accept alternative income proof, how variable-income earners (creators, food delivery / ride-share workers, freelancers, traders) can document earnings, sum-insured caps that apply, and the underwriting steps that actually work.
Term vs ULIP vs endowment: term gives ₹1 crore cover at ₹800/month while ULIPs cost 5-10x more. Why pure term + separate investing wins.
Term insurance with diabetes, BP, or thyroid is possible with full disclosure. Expect 15-30% premium loading. Non-disclosure risks claim rejection.
Women pay 20-30% lower term insurance premiums. How much cover working women and homemakers need, with premium examples and top plans.
Claims
Cashless pre-authorisation rejected at hospital admission? Stay calm. This 60-minute action plan walks you through every step – getting denial in writing, escalating to the insurer hotline, switching to reimbursement track, and when to call NYVO claims support.
A complete walkthrough of the HDFC ERGO health insurance claim process – cashless workflow at network and Cashless Everywhere hospitals, reimbursement filing, helpline numbers, document checklist, and what to do if a pre-authorisation is delayed or contested.
Health insurance claim rejected by your insurer? 90% of rejections fall into 7 patterns – non-disclosure, waiting period, sub-limit, document gap, exclusion, room rent cap, and procedural lapse. This guide explains how to fix each, when to re-submit, and when to escalate to the Ombudsman.
Hospital bills in India are routinely inflated 15-40% on phantom charges, double-billed consumables, and excess room rent. This step-by-step guide shows you how to audit a hospital bill line by line, what charges to challenge, how to negotiate before discharge, and how the audit affects your insurance claim settlement.
Your parent has just been admitted to hospital. The next 24 hours decide whether the cashless claim goes through smoothly or your family ends up paying lakhs out of pocket. Here's a hour-by-hour action plan – what to do, who to call, what to bring, and the mistakes that cost families money.
Term insurance claim process in India: who files, what documents are needed, investigation timelines, and what nominees should expect step by step.
General
NYVO is solving family finance for India. If you want to be part of something big and meaningful, we'd love to hear from you.
Corporate vs personal health insurance: why corporate cover alone isn't enough and how to build complete family protection.
Insurance glossary with 50+ key terms explained: sum insured, co-pay, PED, TPA, NCB, and more. Plain-language definitions for Indian policyholders.
Grievance Redressal Policy and Mechanism for NYVO Insurance Services LLP.
Insurance checklist for startup founders in India: personal health, term, key-man, group insurance for employees, and D&O liability cover.
Medical inflation in India is 14% annually. A ₹5 lakh surgery today costs ₹10 lakh in 5 years. Here's why health insurance is essential.
Privacy policy describing how NYVO Insurance Services LLP handles your personal data.
Most Indian adult children avoid the parents-and-insurance conversation because it feels morbid, presumptuous, or financially intrusive. Here's how to actually have it – three opening lines that work, the four pieces of information you genuinely need, and what to do when your parents say no.
Terms of Service governed by NYVO Insurance Services LLP.
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