AI Protect Insurance Brokers — BharatNetra Demo Day

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Live · BharatNetra Demo Day · Bhubaneswar · 5 June 2026

ନମସ୍କାର, ଭୁବନେଶ୍ୱର ସ୍ୱାସ୍ଥ୍ୟ ସୁରକ୍ଷାର ଏକ ନୂତନ ଯୁଗ

The video tells our story. This deck shows our edge.

Presented by

Nikhil Agarwal

Director & CEO · AI Protect Insurance Brokers

Dhauli Shanti Stupa at twilight near Bhubaneswar — the historical seat where Emperor Ashoka chose protection over war.

ଧଉଳି · ଯେଉଁଠାରୁ ସୁରକ୍ଷାର ଯାତ୍ରା ଆରମ୍ଭ

In Partnership with

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Why East India · Why Now

East & North-East · Population pulse

Editorial heat-signature map of East and North-East India with city markers.

Topographic close-up of Odisha state with Bhubaneswar marked on the eastern coast.

<4% voluntary insurance penetration across India vs ~7% globally.

The Protection Gap

0M+

Underinsured Indians — a continent-size opportunity.

NCD Burden · East Zone

0%+

Non-communicable disease burden across the East zone — highest in India.

Maternity Gap

0%

Of women without adequate maternity insurance cover.

Out-of-pocket Spend

> 0%

Of healthcare expenses paid directly by households.

Govt of Odisha ecosystem support IRDAI digital-distribution push Tier 3/4 smartphone > 60% GFTN inclusion thesis Odisha IT & GCC Policy 2025 tailwind

In Partnership with

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The Products · Solutions for East

01

Complete lifecycle management

Advisory through to future-proofed adequate cover — not "compare & buy". Service as the core offering.

Advisor guiding an Indian family through adequate health cover.

Image · TBC

02

Savings for Health

Lifestage-goal-based health insurance — first time in India.

Image · TBC

03

Benefits-based SME health

Corporate-grade benefits programmes — now for SMEs, not just top-tier enterprises.

A small Indian business team protected by group health benefits.

Image · TBC

04

Out-of-pocket-led · pharma & diagnostics

Pharma & diagnostics partnerships aligned to high outpatient spends — the product built for East.

Pharmacy and diagnostics partnership for outpatient health spends.

Image · TBC

In Partnership with

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The Compounding Moat

Editorial triptych — Distribution, Technology and Trust — three sides of AI Protect's compounding moat in health insurance.

01

Domain leadership

Deep insurance expertise across IRDAI compliance, products and claims.

02

Distribution edge

On-ground field ops with vernacular advisory + deep relationships across Fin Services, Banks & Wealth segments.

03

Insurtech depth

Proprietary InsuranceCLM middleware powering the full customer lifecycle.

04

East India operating muscle

Built inside the BharatNetra · Govt of Odisha · GFTN ecosystem.

In Partnership with

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The Engine · InsuranceCLM

Five-stage Customer Lifecycle · live today

01

Advisory

AI-driven policy analyser matches adequate cover — not compare & buy.

02

Onboarding

WhatsApp-first journeys · India Stack (CKYC, Aadhaar, PAN) · OCR document parsing.

03

Issuance

Paperless quote-to-bind · carrier API-first · STP for standard risks.

04

Service

Claims concierge · annual cover adequacy reports · feet-on-street app.

05

Renewal

ML churn prediction · personalised re-engagement · upsell triggers.

Live Traction · building with HealthApp

✓

IRDAI NOC received

Broker license filing underway · compliant operating processes live.

●

Kolkata affinity partner · LIVE

Distribution pivot live with HealthApp — feet-on-street + InsuranceCLM in production.

100+

Health quotes generated

Live quote engine running through the InsuranceCLM stack since launch.

₹5L+

Policy closures in 2 months

First revenue from the Kolkata pilot · validating the model end-to-end.

In Partnership with

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The Ask · 12-month Utilization

Founders Already In

₹10 Mn

Initial capital already invested by the founders — skin in the game before the raise.

Fund Raise / Ask

₹50 Mn

12-month utilization — equity blend to fund talent, tech and brand rollout.

Year-1 Target Revenue

₹50 Mn

Insurance premium revenue in the first 12 months of operations.

Where the ₹50 Mn goes · 12-month plan

Talent · underwriting & business development

Hire the core insurance and distribution muscle that runs the on-ground operation.

₹20 Mn

AI-native tech platform · build & rollout

InsuranceCLM Phase 2 build-out, mobile field app, carrier integration layer.

₹10 Mn

Brand, marketing & channel enablement

B2B2C brand rollout across East India · partner training · awareness campaigns.

₹20 Mn

The Ask · Support We're Seeking

→

Government of Odisha — Enablement: support engagement with the Govt of Odisha and establish AI Protect as an Odisha-domiciled insurance broker; partnership on Government schemes.

→

GFTN — Capital & Network Access: investor introductions, fundraising support, and access to strategic industry networks.

→

BharatNetra — Talent & Operations: access to local talent, channel partners, and benefits under Odisha's IT/GCC policies.

→

Industry — Ecosystem Partnerships: tie-ups with healthcare, wellness, pharma and industry partners across Odisha.

Investor Yield

4–5×

Exit potential within 3 years · clear liquidity path for early backers.

In Partnership with

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The Team · Built for an underserved India

Director & CEO

Nikhil Agarwal

Risk-management expert with deep insurance-industry experience. Previously at ICICI. Leading AI Protect's regulatory positioning, product strategy and overall execution.

Director

Neel Chatterjee

30+ years in insurance distribution.

Director

Sudip Banerjee

Former CTO, Reliance General.

Marketing Lead

James Milliron

Marketing & growth leadership.

In Partnership with

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