Welcome to NivoTime, a leading Insurtech company that is transforming the insurance industry through the use of cutting-edge technology.

We offer a wide range of insurance products and services, including our Employee Benefits Solution, Affinity Solution, Flex Solution, and Rewards Programme. Our mission is to provide innovative and cost-effective insurance solutions that meet the evolving needs of modern consumers.

Our Employee Benefits Solution is designed to help companies of all sizes provide their employees with comprehensive and customisable insurance plans. We use advanced analytics to create personalized benefit packages that fit each employee's unique needs while minimizing costs for the employer.

Our Affinity Solution allows organizations to offer exclusive insurance products and services to their members or customers. We work with affinity groups to create tailored insurance plans that are designed to meet the specific needs of their members or customers.

Our Solution

Insuretech solutions includes wide range product lines, Please take look at it.



Health & Benefits offers customers a user-friendly platform to manage their health insurance needs. From selecting coverage options to accessing wellness resources, this feature promotes proactive health management and personalized care.


Flex Solution

It empowers customers to create customized insurance plans that match their lifestyles and budget. With flexible coverage options, customers can enjoy the peace of mind that comes with having the right insurance at an affordable price.


TPA Integration

It allows for seamless third-party administration integration, enabling streamlined claims processing and customer support. This feature enhances the customer experience and simplifies insurance management for both customers and insurers.



It provides insurers with valuable insights into customer behavior, allowing for data-driven decision-making. This feature enables insurers to optimize their offerings, reduce risk, and improve customer satisfaction, ultimately leading to increased profitability.



It offers customized insurance plans for specific affinity groups, such as employees, members, or associations. This feature enables insurers to tailor insurance offerings to the unique needs of these groups, improving customer satisfaction and loyalty.



It enables insurers to gather valuable feedback from customers on their insurance experience, allowing for data-driven improvements. This feature fosters customer engagement and loyalty while promoting continuous improvement and innovation.


Nivo Kiosk

It provides customers with a self-service portal to manage their insurance needs, such as policy updates and claims submissions.This feature enhances customer convenience and streamlines insurance management, ultimately improving customer satisfaction and loyalty.



It offers customers access to a library of informative nivo-books on various insurance topics, enabling them to make informed decisions about their coverage needs. This feature promotes customer education and engagement, ultimately leading to better insurance outcomes.