Uncover For Women For Founders The Risk Radar About AVYA
For Businesses ▼
For Corporates For Partners Become a Saathi
Talk to AVYA
About AVYA

Not every woman’s life
fits neatly into
one category.

AVYA is India’s AI-powered insurance broker for women. We assess your risks first — then find you the right insurance. Because a product off a shelf was never designed for how women actually live.

Some are building businesses.
Some are navigating careers while holding families together.
Some are caregivers first — and everything else in the hours that remain.

Most are doing more than one of these things at the same time.

01
The founder
Building a business that depends on her being present. Managing income that isn’t guaranteed. Carrying professional and personal risk simultaneously.
02
The employed woman
Covered by an employer policy she’s never fully read. Planning a career that doesn’t run in a straight line. Thinking about what a break would actually cost her.
03
The one everyone depends on
Holding a household together. Funding parents’ healthcare. Making sure everyone else is taken care of — while her own picture stays incomplete.

What they have in common:

Coverage that was built for a simpler life
than the one they’re actually living.

Not because something went wrong. Because the products were designed for one kind of life — and most women are living another. The gaps show up quietly. Until they don’t.

AVYA was built to address this.

Protection that’s specific to your situation. Your health. Your income. Your business. Your stage of life.

The right combination of what you can do now and what insurance covers — designed around how you actually live. Not a generic policy. Not one-size guidance. Something that fits your picture specifically.

AVYA was built by someone who spent twenty-five years on the inside — designing these products, understanding their limits, and seeing exactly where they left women underserved.

She decided to do something about it.

You know how to
keep going.

We’re here to make sure keeping going
is possible — whatever comes.

Talk to AVYA →
Bhakti Dama, Founder of AVYA

Bhakti Dama

Founder, AVYA LinkedIn

AVYA was created by Bhakti Dama, an insurance and risk innovation professional with over two decades of experience across product design, underwriting, systems, risk assessment, and protection architecture.

After years of seeing where traditional products, advice journeys, and policy conversations left women underserved, AVYA was built to make protection planning clearer, more practical, and more specific to how women actually live and build.

AVYA is built by Protector IQ — an insurance product design studio founded by Bhakti Dama. Protector IQ designs custom insurance products from scratch across health, cyber, climate, liability, and trade credit segments. For organisations looking to build custom insurance for their users, visit our For Partners page.

AVYA is a licensed insurance intermediary with agency agreements with LIC, HDFC ERGO, and Care Health, and a broker partnership for broader product placement. We’re not a manufacturer. We’re the specialist layer between you and the market.

Start with Uncover →