Health insurance advisor

A health insurance advisor who stays till the claim

Talk to a salaried, IRDAI-certified nyvo advisor for free. We compare plans on their policy wording, fill the proposal form with you, and work your claim with you when you need it.

First in India

Claim Support Guarantee, otherwise your money back.

Buy through nyvo and we get your claim passed, otherwise refund your premium. We are putting our money on our claim service.

nyvo · claim support guarantee · first in india ·
Talk to a health insurance advisor
30 min · with an IRDAI-certified advisor
No spam, no pressure, no obligation
100% freeNo spamNo obligation
3000+
Families served
30+
Insurers compared
30 min
Free call
₹0
Advisory fee
What you get

What does a health insurance advisor do for you?

Work out the cover you need

How much sum insured your family needs for your city, whether your employer's cover is enough on its own, and how to cover parents who already have a condition.

Compare plans on the policy wording

Room-rent limits, disease sub-limits, co-pay and waiting periods decide what a plan actually pays. We read them for you, side by side, before you pick.

Fill the proposal form with you

An honest, complete proposal form is what protects a claim years later. We go through every health question with you, so nothing that matters is left out.

Work the claim with you

Documents, insurer queries, follow-ups and escalation, for the life of the policy. Policies bought through nyvo also carry the Claim Support Guarantee.

Our partners

HDFC ERGO
Care Health
Niva Bupa
Aditya Birla
What it costs

What does a nyvo advisor cost you?

Nothing. You pay the insurer's filed premium and no fee to nyvo. nyvo is paid by the insurer as a registered corporate agent, and our advisors are salaried, so what they recommend does not change what they earn. Where an insurer files a discount only for buying on its own website, buying direct gets you that discount; our guide on where to buy health insurance explains when. How we rate plans, and how we are paid, is set out in how we pick plans; the plans we rate highest this year are in our best health insurance plans for 2026.

How it works

With you from choosing the policy to making the claim.

01

Choose the right policy

Our salaried advisors compare plans across 30+ insurers and recommend what fits your family.

02

Buy through nyvo

Purchase your selected policy through us at the same premium as buying direct, with no advisory charges.

03

Smooth claim process with nyvo

We help with documents, insurer coordination, follow-ups and escalation until your claim is resolved.

Check us first

How do you know an advisor is licensed?

Advisor is a job title, not a licence. Ask anyone who offers you a policy for their IRDAI registration number before you look at a quote, and check it on irdai.gov.in. Ours is below; the full card and every way to reach us is on our IRDAI licence page. Our guide on how to choose a health insurance advisor explains who can sell you a policy and how each is paid.

Registered name
nyvo insurance Services LLP
Registration
Corporate Agent (Composite)
Licence number
CA1085
Licence valid
4 November 2025 to 3 November 2028
The promise

We don't disappear after your policy is issued.

01

We recommend policies we're willing to stand behind.

Not just on features and price, but on coverage we would put our own families on.

02

We work the claim with you.

Documents, insurer queries, follow-ups, escalation. Our team stays on it until it is resolved.

03

Our support comes with a financial guarantee.

If an eligible claim on a policy bought through nyvo is not approved, the Claim Support Guarantee applies.

The people you will talk to

Meet our advisors

IRDAI-certified professionals dedicated to finding the right coverage for your family.

Kshitij Jain

Kshitij Jain

Founder
IIT Delhi & IIM Ahmedabad
IRDAI-certified advisor
Shadab Sayeed

Shadab Sayeed

15+ years in the insurance sector
IRDAI-certified advisor
Reviews

What families say about their advisor

More on our customer reviews page.

“I recently went through a health scare in my family, and despite having insurance, our claim got stuck due to a frivolous reason. It was an incredibly stressful time for us. nyvo truly stepped in and hand-held me through the entire claims process, guiding me at every step and ensuring everything was sorted out.”

Pranidhi Rawat
Pranidhi Rawat
Senior Brand Manager, Unicorn Startup

“Every year at renewal, I was bombarded with calls offering discounts to port my health insurance. I never knew whether I had the right amount of cover or if my policy was even the best fit for me. nyvo helped me cut through all the confusion. They guided me on exactly how much coverage I needed and matched me with the right policy for my needs.”

Gautam Dhaliwal
Gautam Dhaliwal
Ex-Investment Banker and CXO

“My parents' health insurance was a maze I couldn't navigate alone. nyvo made it simple - they understood my parents' age, medical history and found the perfect plan. I feel genuinely at peace knowing my parents are covered.”

Kritika Gattani
Kritika Gattani
Founder, Opaque Studio

“I recently became a mom and was completely overwhelmed with all the life insurance advice coming my way. nyvo patiently broke everything down to the basics and clearly explained the difference between term insurance, ULIPs, and other products. They helped me understand what truly made sense for my family's protection and future.”

Sanchita Gupta
Sanchita Gupta
Consultant
Before you book

Questions people ask about advisors

What does a health insurance advisor do?
A health insurance advisor works out how much cover your family needs, compares plans on their policy wording (room rent, sub-limits, co-pay and waiting periods), helps you fill the proposal form so every condition that matters is disclosed, and helps you claim later. At nyvo that help comes from a salaried, IRDAI-certified advisor and costs you nothing.
Is a health insurance advisor free?
At nyvo, yes. You pay the insurer's filed premium and no fee to nyvo. nyvo is paid by the insurer as a registered corporate agent, and our advisors are salaried, so what they recommend does not change what they earn. If an insurer files a discount only for buying on its own website, you get that discount by buying direct.
Is nyvo licensed by IRDAI?
Yes. nyvo insurance Services LLP is registered with IRDAI as a corporate agent (composite), licence number CA1085, valid from 4 November 2025 to 3 November 2028. A composite registration covers life, general and health insurance.
How do I check that any insurance advisor is licensed?
Ask for their IRDAI registration number before you look at a quote, then check it on irdai.gov.in. Advisor is a job title, not a licence: the person you speak to is either the insurer's own staff or an intermediary regulated by IRDAI, such as an individual agent, a corporate agent or a broker.
Can an advisor help me if my claim is rejected?
Yes. Claims support at nyvo is for the life of the policy: we help with pre-authorisation, chase the insurer, and escalate to the grievance cell or the Insurance Ombudsman if a claim is wrongly rejected. Policies bought through nyvo also carry the Claim Support Guarantee.
I already have a health policy. Is a call still useful?
Often more useful. We will read your existing wording and tell you plainly whether it has room-rent caps, sub-limits or a co-pay that would bite at claim time, and whether porting or topping up beats replacing it.
What should I keep ready for the call?
Nothing formal. It helps to know the ages of everyone you want covered, your city, any existing cover (including from your employer), and any diagnosed conditions. If you do not have those to hand, we will work it out on the call.
Am I obliged to buy a policy after the call?
No. Many people book just to understand what they need. You decide in your own time, or not at all, and we never sell your number.

Want a second opinion on your health cover?

Book a free 30-minute call with a salaried nyvo advisor. No pressure, no spam, just honest advice.

nyvo is an IRDAI-registered corporate agent (composite), licence number CA1085. Booking a call places you under no obligation to purchase.