Optima Select
HDFC Ergo
- Coverage starting
- ₹5 lakh
- Premium starting
- ₹524/month*
4.9from 150+ Google reviews →
Insurance Built on Expert Advice.
At Conflux, we believe the right insurance starts with the right advice. Every recommendation is backed by expertise, experience, and a commitment to protecting what matters most.
Trusted by 2,000+ families
Recognised by the industry
Advising across leading insurers
- Investment Portfolio
- ₹0+ CrInvestment Portfolio
- Families Insured
- 0+Families Insured
- Claims Assisted
- 0+Claims Assisted
- Years Combined Experience
- 0+Years Combined Experience
What we recommend
The right plan, across the right brands
A snapshot of plans we recommend most often — always matched to your family before anything is bought.
Health Insurance
Cashless hospitalisation, no-claim bonuses and restore benefits — compared across insurers.
ReAssure 3.0 Elite
Niva Bupa
- Coverage starting
- ₹5 lakh
- Premium starting
- ₹498/month*
Activ One Max
Aditya Birla
- Coverage starting
- ₹5 lakh
- Premium starting
- ₹490/month*
*Indicative premiums. Yours depends on age, city and health profile — we’ll quote it in minutes, free.
Term Insurance
Pure protection at the lowest honest premium, sized to your income and liabilities.
Smart Term Plan Plus
Axis Max Life
- Coverage starting
- ₹1 crore
- Premium starting
- ₹548/month*
Click to Protect Supreme+
HDFC Life
- Coverage starting
- ₹1 crore
- Premium starting
- ₹504/month*
Sampoorana Raksha Promise
Tata AIA
- Coverage starting
- ₹1 crore
- Premium starting
- ₹565/month*
*Indicative premiums. Yours depends on age, city and health profile — we’ll quote it in minutes, free.
Mutual Funds
Goal-linked SIPs reviewed every year — see what a monthly investment could grow into.
See what your SIP could grow into
- Invested Amount
- ₹12,00,000
- Estimated Returns
- ₹11,23,391
- Total Value
- ₹23,23,391
Projections are illustrative, assume a constant rate of return, and are not a guarantee. Mutual fund investments are subject to market risks.
Meet the founders
Real Advisors. Real Accountability.
At Conflux, every recommendation is backed by years of experience, thoughtful analysis, and personal accountability.
Thousands of conversations. Hundreds of claims. One philosophy — advice before insurance.
Sankalp Sengar
Co-Founder
Animesh Gautam
Co-Founder
- 20+ years of experience each
- Health & term expertise
- Investment strategy
- Medical & operational insights
- Direct client relationships
- Mutual fund specialists
How it works
Expert Guidance, Every Step.
Consult. Compare. Choose. Stay Supported.
- 1
Consult an Expert
A real conversation with an advisor — your family, your goals, your worries.
- 2
Compare the Right Options
We shortlist across insurers and explain the fine print in plain language.
- 3
Buy With Confidence
Honest disclosure, paperwork done properly — so the claim can never be questioned.
- 4
Lifetime Claim & Service Support
Renewals, reviews and claims — we stay with you for as long as you're a client.
What clients say
Rated 4.9★ on Google by 150+ families
“I had a really wonderful experience with Sankalp Sengar sir from Conflux IMF LLP while choosing health insurance for my family.”
Mayank JhaGoogle review “I recently got my term insurance done through Conflux Limited, and I'm really happy with the experience. Sankalp ji and Krishna ji were extremely helpful throughout the entire process.”
pruthu chandanGoogle review “I had an excellent experience with the Beshak advisory team from Conflux, especially Amit and Krishna from Sankalp's team.”
Mohan GrandhiGoogle review “I had a very smooth experience with Conflux IMF LLP for my health insurance claim settlement. The entire process was handled efficiently and both pre and post hospitalization claims were approved completely without any hassle.”
Nehali SurveGoogle review “What truly stood out was his transparency, patience, and the genuine effort he put into understanding our pre-existing conditions (PEDs) in detail.”
Shawn SunnyGoogle review “Honest and detailed guidance given on all questions I had about taking life insurance. The best part is that the initial call is free, they provide you with all the details and then do not constantly call you and pressure you into purchasing a policy.”
aditya nairGoogle review “Working with Animesh and Rahul was a very smooth and reassuring experience. They patiently explained all the family floater policy options, clarified the coverage details, and helped me choose a plan that perfectly suited my family’s needs and budget.”
sumit ranjanGoogle review “From understanding my requirements, choosing the right insurer to support on any claims, they have been thorough and very good. Sankalp and team were patient with all my queries across all stages.”
Aditya KGoogle review “The team was never pushy at all and never forced me to pick a particular health insurance policy. It made the whole process comfortable.”
Samir DeshmukhGoogle review “Special thanks to Animesh for his constant support and quick response throughout the process. He was very helpful, professional, and ensured everything was handled efficiently.”
Sravani ReddyGoogle review
Questions
Everything people ask us first
Yes — this is our specialisation. Conditions like diabetes, hypertension or cardiac history don't disqualify you; they change which insurer and plan is right for you. We know how different underwriters treat different conditions and recommend accordingly, with waiting periods and loadings explained upfront.
Portals sell policies. We stand by claims. A portal's job ends at checkout; ours begins there — policy reviews, renewals and, most importantly, end-to-end claim support from hospitalisation to settlement, handled personally by our advisory team.
No. Consultations, policy reviews and second opinions are free, with no obligation. We're compensated by insurers and fund houses the same way any distributor is — but we advise across companies, so we recommend what fits you, not what pays most.
First, we work to prevent that: honest disclosure at proposal and correct documentation at claim time prevent most rejections. If an insurer questions a claim, we handle re-submission and escalation ourselves — we've done it hundreds of times.
You can start a SIP with as little as ₹500 a month. We build plans that are realistic for your current situation and scale them as your income grows.
We work with leading insurers including HDFC Ergo, Care Health, Niva Bupa, ICICI Prudential, HDFC Life, Axis Max Life, Aditya Birla, ManipalCigna and Tata AIA — and recommend across them based on your profile.
Growing Wealth. Guarding Futures.
Let’s build the right plan for you and your family.
A free one-on-one conversation with an expert advisor. No jargon, no pressure, no obligation.