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Built around the people you serve.
Insurers — develop and refine health, commercial and emerging-risk products.
Banks, NBFCs and MFIs — co-create protection for customers and risks affecting credit books.
Technology firms — turn insurance requirements into workable systems and consumer delivery models.
NGOs, foundations, development institutions, healthtech and health research organisations — translate needs and research into protection programmes.
Government agencies — support livelihoods, financial inclusion, climate resilience and women’s economic empowerment.
Product intelligence
Understand existing insurance offerings, coverage gaps and opportunities. Outputs include product comparisons, gap assessments and opportunity briefs, informed by AVYA’s insurance product knowledge base.
Product design & innovation
Translate protection needs into product concepts, coverage structures and underwriting approaches across health, mainstream commercial insurance and emerging risks. Outputs include concept notes, product frameworks and pilot plans.
Technology, AI & delivery
Reach consumers through cost-effective digital, assisted and AI-enabled models. We scope requirements, underwriting and claims logic, support implementation and pilots, and develop test scenarios and user acceptance testing.
Specialist protection.
Built around real needs.
Women’s health and economic resilience
Explore protection needs around breast cancer, fertility, menopause and income disruption, translating needs and research into product opportunities.
Climate and rural livelihoods
Assess climate exposure and income risks; design livelihood protection concepts for SHGs and rural communities, with practical programme and pilot plans.
Customers, credit and new ways of working
Shape concepts for loss of income, gig workers and borrowers, aligned with customer needs and risks affecting credit portfolios.
Business and emerging risks
Develop mainstream commercial and specialist concepts, including cyber fraud and pet insurance.
These are examples of products we can help institutions explore and design; availability and terms depend on the insurer and product development process.
Technology we have created.
AVYA — visit the insurance assistant
Our consumer-facing insurance assistant built for women. AVYA is a distinct public brand; its insurance product knowledge base supports Protector IQ’s product intelligence work.
Agent Saathi
A technology product created by our team, demonstrating our experience translating insurance needs into digital tools.
For consulting projects, we help define cost-effective consumer models, scope systems and AI use cases, support execution, and test insurance journeys and logic.
What protection challenge
are you working on?
Talk to us about your next research, product or programme challenge.
We can help frame the need, shape a solution and prepare the next step.