FOUNDER & CHAIRMAN
protecting you is our business
Since 1914, the New York Mutual Insurance Company has been serving policyholders – protecting businesses, mitigating losses, defending claims
Founded in 1993, Forturance Financial Group is a broker-dealer powerhouse that prides itself
Founded in 1993, Infinex Financial Group is a broker-dealer powerhouse that prides itself on an unwavering commitment
Serving the interests of our clients. Personalized support and relationships matter to us. Because we are owned by banks, we are empowered to deliver top-notch support and services.
William Thomas
Retired Govt Officer, ON, Canada
Who We Are
The BIJO Group is India’s fastest growing wellness and healthcare service provider mediator, reshaping the healthcare landscape in India.
We proudly stand as one of the nation’s pioneering organizations to offer
OPD care facilities tailored for children, individuals, and senior citizens,
making quality healthcare more accessible than ever before.
Our mission is to transform the fragmented healthcare delivery into a
comprehensive, need-based model that prioritizes holistic well-being of our
distributors and service users.
We aim to create a healthcare ecosystem that fosters well-being, enhances
quality of life and promotes sustainable health practices. Join with The BIJO
Group on journey to re-define healthcare and make a meaningful impact in
the lives of millions
Director's Message…
Greetings on this great day! Thank you and warm welcome to the BIJO Group. We sincerely appreciate all of you for engaging with us. We operate in the financial and investment sectors, which are now more creative, innovative, and among the fastest growing industries.
The BIJO Group is committed to delivering the highest quality services, carefully selected to suit your needs, while offering excellent earning opportunities. We also provide rewards and recognition, fostering self-reliance. Our services reach you directly through user-focused methods, and we are dedicated to helping people achieve a financially worry-free life on their own terms.
The BIJO Group collaborates with highly successful principal companies and corporate partners. With a strong level of expertise in management and service verticals, we stand as one of the leading mediator service providers, catering to a range of listed services. I assure you that your financial security is in safe hands, and we aim to create a win-win opportunity for our distributors and users alike.
Thanking You
Dr. Sanjukta V. Kutty
Associate Director – BIJO Group
VISION
BIJO has positioned itself as a trustworthy intermediary offering creative advisory solutions. We aim to achieve goodwill by providing innovative solutions and personalized services with a sure COMMITMENT to excellence.
TRANSPARENCY
Transparency is the backbone of BIJO. We believe in open communication and clarity in dealings, ensuring that our users and partners have access to accurate information and are kept informed every step of the way.
INTEGRITY
Integrity is ingrained in everything we do. We uphold the highest ethical standards and conduct our business with honesty and accountability.
BIJO - The Symbol of Solution…
Comprehensive Listed Services
Wide range of healthcare and
wellness services under one roof,
carefully curated to meet diverse
needs.
Client-Centric Approach
Focusing on customer needs with
personalized attention and care at
every touchpoint.
Customized Support Strategies
Tailored solutions that address
specific health requirements of
individuals and families.
Leveraging Advanced Technologies
Using cutting-edge digital tools to
enhance service delivery and user
experience.
Industry Expertise
Drawing on deep knowledge of healthcare systems to provide reliable guidance and solutions.
Our Growing Network
The BIJO Group has partner service points across most cities in India, where our users receive solutions and our distributors collaborate for business meetings. We’ve established strategic partnerships with business supportive partners nationwide.
16+
Business Partnerships
Strategic tie-ups with healthcare providers, insurance companies, and wellness organizations
131+
Distributors
Dedicated professionals bringing BIJO services to communities across India
219+
Users
Growing base of satisfied customers benefiting from our comprehensive services
Feasibility & Sustainability
Growing User Base
BIJO operates with both B2B and D2C service models, creating a diverse and expanding customer network.
Clear Expansion Path
Strategic roadmap for scaling operations across India, reaching more communities in need.
Competitive Positioning
Well-positioned with distributors in the care, cover, and cure industry to deliver exceptional value.
The prior commitment of The BIJO Group is to innovation, excellence, and user satisfaction, ensuring both feasibility and sustainability in all our operations.
Accessibility & Affordability
Service Points Network
The BIJO Group provides listed service accessibility through our personalized service points across India.
Healthcare Provider Network
Connecting users with nearby hospitals, clinics, doctors, and diagnostic centers through our panel partners.
Economical Healthcare
Curated options that fit the financial needs of both users and distributors without compromising on quality.
Our accessibility solutions bridge the gap between healthcare needs and services, making quality care available to more Indians regardless of location.
We are a third party aggregator for all Insurance products, having tie ups with all companies. We provide a bouquet of products, and help the client choose the product best suited for him/her.
DIRECTORS
Mr. Sunil Kumar Tiwari
Mr. Sunil Kumar Tiwari is the Founder and chairman of BIJO Group, controlling business projection, empanelment control, actuarial and promotional activities.
“आखिरी कोशिश के अगले कदम पर ही जीत होती है…”
“Victory comes at the next step after the final attempt…”
Dr. Sanjukta Vinod Kutty
ASSOCIATE DIRECTOR
Dr. Sanjukta V. Kutty is the AD of BIJO Group, controlling legal policy management, enrollment, business strategy, creatives management, compliance & consulting activities.
“जीत और हार हमारी सोच पर निर्भर करती है…”
“Victory and defeat depend on our thinking…”
Mr. Hari Nandan Mishra
BUSINESS DIRECTOR
Mr. Hari Nandan Mishra is the CD of BIJO Group, controlling corporate empanelment, B2B business and corporate business activities.
“पूरी श्रद्धा से किया गया कार्य सफल होता है…”
“Work done with complete devotion is successful…”
Mr. Girish Bholanath Tripathi
CORPORATE DIRECTOR
Mr. Girish Bholanath Tripathi serves as BD of BIJO Group, controlling sales strategies, distribution, team management, marketing and business growth activities.
“अपने आप पर विश्वास करो और आगे बढ़ो…”
“Believe in yourself and move forward…”
Mr. Sunil Kumar Tiwari
CORPORATE DIRECTOR
Mr. Sunil Kumar Tiwari is the Founder and chairman of BIJO Group, controlling business projection, empanelment control, actuarial and promotional activities. Sunil spans over 15+ years as career in the broking and insurance sectors, having been associated with leading groups like Reliance Capital Co. Ltd. and SUD Life Insurance Co. Ltd.
On the academic front, Sunil have done in MBA in Sales and Marketing Management from Rajiv Gandhi University of India.
Dr. Sanjukta Vinod Kutty
Associate Director
Dr. Sanjukta V. Kutty is the AD of BIJO Group, controlling legal policy management, enrollment, business strategy, creatives management, compliance & consulting activities. Her career spans over 32+ years with financial institutions including Standard Chartered Bank, Deutsche Bank & Axis Bank, in Sales, Strategies & Management.
On the academic front, she holds an MBA from Manipal University and a doctorate from the Dunster School of Management, Switzerland.
Mr. Hari Nandan Mishra
Business Director
Mr. Hari Nandan Mishra is the CD of BIJO Group, controlling corporate empanelment, B2B business and corporate business activities. His career spans over more than 13+ years in the stock trading and systematic investment sectors, having been associated under big title like Angel One Ltd. and SMC Global Securities Ltd.
On the academic front, Hari holds an MBA in Finance & Distribution from National Institute of Management & Technology.
Mr. Girish Bholanath Tripathi
Corporate Director
Mr. Girish Bholanath Tripathi serves as BD of BIJO Group, controlling business growth, distribution, team management, marketing and business growth activities. Professionally, Girish has more than 12 years of experience in the finance & healthcare sectors, working with Rotam Distribution, Manipal Cigna & CP Arogya Healthcare Pvt. Ltd.
On the academic front, he holds an MBA in Finance from National Institute of Management & Technology.
Curious to know more about our company? Have a look on here…
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Since 1914, the New York Mutual Insurance Company has been serving policyholders – protecting businesses, mitigating losses, defending claims.
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In-Dependent Shield
₹7,788 / year
- Health & Eye checkup (Free twice a year)
- Dental checkup, cleaning & consultation
- Physician tele consultation (12 calls/year)
- OPD/Clinic visit billback (Limit: ₹1000)
- Participation pass in curriculum activities
Individual Shield
₹11,990 / year
- PA Accidental Death/Disability cover – 10L
- PT Disability cover – 20L
- Hospital daily cash – 2K
- Health & Eye checkup (Free once a year)
- Physician tele consultation (24 calls/year)
Liability Shield – 25L
₹17,825 / year
- Loan cover - ₹25L
- EMI Cover available (3-EMI / 2%LC)
- PA Accidental D/D cover - ₹25L
- Hospital daily cash - ₹5K
- Physician tele consultation (36 calls/year)
Liability Shield – 50L
₹23,751 / year
- Loan cover - ₹50L
- EMI Cover available (3-EMI / 2%LC)
- PA Accidental D/D cover - ₹50L
- PT Disability cover - ₹1CR
- Physician tele consultation (48 calls/year)
Liability Shield – 1CR
₹31,145 / year
- Loan cover - ₹1CR
- EMI Cover available (3-EMI / 2%LC)
- PA Accidental D/D cover - ₹1CR
- PT Disability cover - ₹2CR
- Physician tele consultation (60 calls/year)