AI-native platform
Fully integrated digital infrastructure supporting both assisted and unassisted purchase journeys.
AI Native Insurtech · Health Insurance · East India
Making insurance simple, transparent & accessible to all.
AI Protect is building the digital insurance infrastructure that brings honest, affordable financial protection to one of the world's largest underinsured populations — starting with health insurance in East and North-East India.
End-to-end support · Advice → Claims → Renewals
Why we exist
We power innovation in insurance distribution.
We're not just selling policies — we're building the digital infrastructure that brings financial protection to millions. Technology, transparency and a customer-first design, combined with institutional credibility.
Dedicated claims concierge
White-glove claims support — the moment that defines customer loyalty and trust.
Annual cover-adequacy reports
AI-based yearly reviews ensuring health & life cover keeps pace with life's changes.
Unified policy dashboard
All insurers, one view — eliminating fragmentation across the policy lifecycle.
The opportunity
A continent-scale insurance gap inside one region.
East India represents one of the world's largest untapped insurance markets — a protection gap comparable to the entire population of the United States, concentrated within a single geographic region.
0M+
Underinsured population
Bihar, West Bengal, Odisha, Jharkhand & the North-East
<0%
Insurance penetration
India vs. global average of 7%+
0%
Women uncovered
Indian women without maternity insurance
0%
Out-of-pocket health spend
Paid directly by households — among the world's highest
This isn't market inefficiency — it's a massive structural opportunity. The largest underinsured risk pool in India, ready for digital insurance infrastructure.
The gap we address
Awareness exists. Protection doesn't.
Public schemes and rising incomes have created awareness — but awareness doesn't equal financial security. The structurally underinsured aspirational class remains massive, and ready for private insurance solutions.
MaternityA young population, almost no maternity cover
High birth rates with low private penetration leave huge unmet demand. 2–4 year waiting periods and restrictive sub-limits make cover inaccessible for young families — yet first-childbirth cover creates 30+ year household relationships.
Chronic diseaseRising AQI & a non-communicable disease burden
NCDs account for 60%+ of deaths in India. High tobacco use, late diagnosis, industrial pollution and an urban-rural health gap make East India the country's largest health-protection gap.
Public schemesState schemes create access, not security
Swasthya Sathi gives baseline access — but comprehensive gaps remain, networks stay urban-clustered, and the aspirational middle class is left structurally unprotected.
Our solution
An AI-native, end-to-end insurtech platform.
Powered by InsuranceCLM — the cloud-hosted, AI-native customer-lifecycle platform from OpenFin Technologies, built for carriers and intermediaries. We combine institutional credibility with modern technology and true customer-centricity.
Powered by
InsuranceCLM
A platform by
New lead assigned
Priya Sharma · Family Health
Live InsuranceCLM app
Cross-insurer comparison
Compare price, coverage and claims history across insurers in real time.
AI-native recommendations
Bespoke product advice based on each customer's profile and needs analysis.
Paperless quote-to-bind
Pre-configured products, underwriting & rating in a smooth digital journey.
Dedicated claims concierge
White-glove support through claims and endorsements when it matters most.
Unified policy dashboard
Every policy, every insurer — one clear view for the customer.
CRM & lifecycle management
End-to-end management from first quote to every renewal.
Institutional credibility — Full-spectrum support — advice → claims → renewals. We're building long-term trust, not transactional relationships.
Focused entry, national upside
Why East India first.
Insurance distribution in India remains inefficient and trust-deficient. We enter through a focused wedge — health insurance in East India — with infrastructure built for national scale.
- 01
Health insurance first
The fastest-growing insurance category in India, with sustained double-digit growth.
- 02
East India focus
An underpenetrated region with a rising middle class and few scaled digital intermediaries.
- 03
Kolkata hub
The commercial and healthcare hub of East India — our ideal launch geography.
- 04
National expansion
Platform architecture designed for pan-India scale from day one.
Founder-led · Domain-first · 150+ years combined experience
Built by insurance experts — not first-time founders.
Nikhil Agarwal
Director & CEO
Risk-management expert with deep insurance-industry experience. Previously at ICICI. Leads AI Protect's regulatory positioning, product strategy and execution.
Neel Chatterjee
Director
30+ years in insurance distribution, with deep regional-market relationships.
Sudip Banerjee
Director
Former CTO, Reliance General — bringing deep insurance technology leadership to the platform.
James Milliron
Marketing Lead
Marketing & growth leadership, building brand and demand across East India.
“We are not first-time founders learning insurance. We are insurance experts building technology around real insurance problems.
From East India, for Bharat.
Simple. Trusted. Accessible. Let's build long-term protection together.
Nikhil Agarwal · Director / CEO · Kolkata, West Bengal, India