The Policy Project

The NRI journey isn't one-size-fits-all. Some of us moved to the UAE alone, building a career from scratch. Either alone, or with family, alot of Non-Resident Indians in the UAE might juggle with either two health plans, one in the UAE and one in India, or suffer from coverage gaps when they move back to India. In this episode, Mr. Yashish Dahiya, Chairperson and CEO of PB Fintech Limited, explains how health insurance in the UAE and India operate very differently, and why relying on one country’s coverage can leave you exposed in the other. We dig deep into the NRI Care Health Insurance plan and understand why planning early across both geographies, instead of reacting later, can make a significant difference to long-term financial security.

Protecting your family's future isn't about expecting the worst. It's about making sure their life continues the way you've built it. In this episode, Atul Kathuria, Business Head - Life Insurance at Policybazaar.ae, and Assia Haku, Life Insurance Manager at Hayah Insurance, discuss how term life insurance plays a vital role in protecting your family's financial stability, replacing lost income, and securing long-term goals such as children's education, household expenses, and future milestones. The conversation focuses on solving one of the most common challenges faced by UAE residents understanding how much life insurance cover is truly enough, and why simply covering liabilities may not fully protect your family's future. #PromiseOfProtection

Most people think of term life insurance as protection their family will need someday. Critical Illness Cover protects what you need today; your income, your ability to work, and financial stability, at a time when a serious illness can change everything.​ ​In this episode of The Policy Project Podcast, we explore Term Life Insurance + Critical Illness Cover = Double Protection Explained with Atul Kathuria, Business Head of Life Insurance at Policybazaar.ae and Geeta Manghnani, Senior Accounts Manager at IFA Distribution, Zurich International Life Limited.​ From how critical illness payouts work to why term life insurance alone may not always be sufficient, the conversation breaks down what it really means to protect yourself, not just your legacy.​ #PromiseOfProtection

Life insurance often gets reduced to numbers and calculations. But at its core, it’s about protecting the life you’re building and the happiness that comes with it.​ In the newest episode of The Policy Project Podcast, Neeraj Gupta, CEO of Policybazaar.ae, and Adel Benachour, Head of Life and Health at HAYAH Insurance, unpack one of the most common and confusing questions: how much life insurance do you really need? From mindset shifts to practical starting points, this episode turns a complex topic into a conversation anyone can understand.​

In moments of uncertainty, what truly matters is knowing that the people who rely on you are protected, no matter what life brings. That sense of preparedness isn’t about fear; it’s about responsibility. Tune into the latest episode of The Policy Project podcast to know "Why Life Insurance Matters Today?" with our experts Ms. Shilpa Chitanand, Head of Sales and Distribution, Zurich Middle East and Mr. Neeraj Gupta, CEO, Policybazaar.ae This episode aims to simplify the conversation around term life insurance, address common misconceptions, and help individuals understand how they can keep the #PromiseOfProtection to their families.

We insure our cars. We insure our health. We even insure our travel. But when it comes to life insurance — the one protection that secures our family’s future — most UAE residents remain underinsured. In this episode of The Policy Project Podcast, we explore the hidden reasons behind this silent crisis. From cultural taboos and psychological barriers to common misconceptions about affordability, life insurance often gets overlooked — leaving families exposed to financial risk. Host Malvika is joined by Atul Kathuria, Business Head – Life Insurance at Policybazaar.ae, to break down: * Why life insurance remains such a difficult conversation in the UAE * The biggest misconceptions that stop residents from buying adequate cover * The financial dangers families face when life insurance is neglected * Why employer-provided cover isn’t enough for true security * How to calculate the protection your family really needs This is a conversation every UAE resident needs to hear. 🎧 Tune in to The Policy Project Podcast — your go-to for all things insurance.

In this episode of The Policy Project, Sid dives into the essentials of travel insurance with expert insights from Toshita Chauhan, Business Head of Travel Insurance at Policybazaar.ae, and Amol Shah, Chief Transformation Officer at RAK Insurance. From must-have features to common misconceptions, they’ll guide you on how to safeguard your summer travel plans. Discover how to handle everything from lost luggage and unexpected cancellations to extended trips, all while navigating the often-overlooked fine print of travel insurance. Whether you’re planning a getaway or a business trip, this episode is packed with practical tips for a smoother journey. Don’t miss it—tune in and travel with confidence!

For many UAE residents, a car is more than just a vehicle — it’s an extension of home. From gym kits and kids’ school bags to weekend plans, we carry a lot more than just ourselves. But when an accident happens, the stress isn’t only about the car — it’s the claims, the paperwork, the garages, and the delays. In this episode of The Policy Project Podcast, host Malvika speaks with Toshita Chauhan, Chief Business Officer – General Insurance at Policybazaar.ae, about how Claims Assurance is transforming motor insurance in the UAE. From cashless repairs and guaranteed claim settlements to faster digital approvals, discover how modern insurance is designed to protect drivers not just from accidents, but from the hassles that come after. Plus, we take on real UAE driver questions about managing claims digitally, speeding up approvals, and making sure genuine claims are never ignored. If your car is your second home, this episode is your guide to protecting it — and your peace of mind.

Here’s a truth we often forget: our family’s financial security is only as strong as the plans we make today. In the UAE — where opportunities meet uncertainty — global shifts, inflation, and unexpected life events can leave families vulnerable if they’re unprepared. That’s where smart financial planning with the right mix of protection and growth comes in. In this episode of The Policy Project Podcast, Malvika sits down with Neeraj Gupta, CEO of Policybazaar.ae, to unpack: Why financial security is a growing priority for UAE families The role of protection + growth in modern financial planning Real examples of insurance saving families from crisis Steps every expat should take today to protect their children and future Plus, in our Ask Away segment, we answer real UAE residents’ questions on balancing premiums, job loss protection, corporate cover gaps, and more. If you’ve ever wondered how to give your family long-term security in a fast-changing world — this conversation is for you.

What happens if your paycheck stops tomorrow? 💭 In this episode of The Policy Project Podcast, we uncover why Income Protection Insurance is a must-have in the UAE — and how it helps safeguard your lifestyle, financial commitments, and family’s security when you’re unable to work. 🎙️ Guest: Atul Kathuria, Business Head – Life Insurance at Policybazaar.ae Stay informed. Stay protected. Tune in to The Policy Project Podcast — your guide to smarter financial decisions. 🎧

Healthcare costs in the UAE are climbing fast — but so are the innovations in health insurance. In this episode, host Malvika talks to Toshita Chauhan, CBO General Insurance at Policybazaar.ae, about how modern health plans are changing the game with instant claims, global coverage, and built-in wellness benefits. We also answer real questions from UAE residents on maternity costs, dental cover, and what happens when your basic insurance just isn’t enough. Stay informed, stay protected — tune in to The Policy Project Podcast now.

This milestone edition of The Policy Project is extra special. For our 50th episode, we’re joined by none other than Neeraj Gupta, CEO of Policybazaar.ae, as host. In this episode, Neeraj takes us on a journey through the pillars of true financial security — from building financial independence to understanding the power of investing, and why Term Life Insurance and Health Insurance are non-negotiable when it comes to protecting your future. Over the past 49 episodes, we’ve explored stories, insights, and expert advice to make finance simpler and protection stronger. Episode 50 is a celebration of how far we’ve come and a reminder of why planning today means freedom tomorrow. 🎙️ Tune in as we mark 50 conversations, 50 lessons, and countless takeaways that put you, the listener, at the heart of financial empowerment. Here’s to the next 50! 🚀

The word caregiver is often used in the same context as mothers.But don’t the caregivers themselves deserve care and support? Maternity Health insurance isn’t just about saving medical bills on delivery but providing peace of mind to budding moms who are about to embark on the most beautiful journey in the world! In the latest episode of The Policy Project, which features Toshita Chauhan, Chief Business Officer, Health Insurance at Policybazaar.ae - We discuss all about Maternity Health Insurance in the UAE.

The cost of giving your child a great education is rising every year in the UAE - and the right time to plan was yesterday. The next best time? Right now. In this Back-to-School special of The Policy Project, host Shruti Chhangani is joined by Shilpa Chitanand - Head of Sales and Distribution- Retail, Zurich International Life Ltd. and Atul Kathuria, Business Head – Life Insurance at Policybazaar.ae, to discuss everything parents need to know about education planning, tuition trends, emotional trade-offs, and smart savings strategies. Learn how Child Education Plans not only help build a fund for school and university costs, but also protect your child’s dream—no matter what life throws your way. Listen now and discover why Protecting Today & Tomorrow is more than a theme—it’s your next best move.

There’s something grounding about the idea of home—where you feel safe, settled, and secure. But what happens when that sense of safety is suddenly shaken?In this episode of The Policy Project by Policybazaar.ae, we confront that very question.Recent events like the Tiger Tower fire have brought home insurance to the forefront of public conversation. And yet, many in the UAE—especially renters—still overlook it, believing it’s unnecessary or too complex.Featuring Toshita Chauhan, Chief Business Officer at Policybazaar.ae, we go beyond the fine print to explore why home insurance is no longer optional. From breaking down cover types to decoding claims processes and tenant liability, we simplify it all. You’ll also hear real audience questions answered—on water leaks, jewelry, alternative stays, and more.Because protection doesn’t start after the damage—it starts with a plan.

There’s something quietly powerful about the moment you decide to take control of your financial future—the click of a calculator, the first step into a new savings plan, the possibilities stretching out like an open road. But even the best intentions can falter without the right investing mindset. In the latest episode of The Policy Project, featuring Atul Kathuria, Business Head, Life Insurance at Policybazaar.ae, we go beyond the buzzwords to explore two foundational pillars of smart investing: compounding and consistency. Tune in to discover how these simple yet transformative principles can turn small steps into lasting wealth.

We don’t often think about what happens if illness or tragedy strikes—until it does. And understanding what people are actually claiming for when it comes to life and critical illness insurance? That’s where awareness turns into action. In the latest episode of The Policy Project Podcast, which features Atul Kathuria, Business Head, Life Insurance at Policybazaar.ae - we uncover the real stories behind the statistics—from cancer and heart disease to the growing number of claims among younger adults. With insights into gender gaps in coverage, the rise in critical illness claims, and why early detection could save your life, this discussion isn’t just about policies—it’s about preparedness. Tune in as we break down the numbers and, more importantly, what they mean for you and your loved ones

As UAE temperatures hit a sizzling 50°C, the urge to escape to cooler shores is real—and thousands of residents are doing just that. But while you’re booking flights and finalizing itineraries, one crucial item often gets overlooked: travel insurance.In this summer-special episode of The Policy Project, our host Sid is joined by Toshita Chauhan, Business Head – General Insurance at Policybazaar.ae, to unpack everything UAE travellers need to know before heading out. From whether credit card insurance is enough, to what’s really covered in case of a medical emergency abroad, lost luggage, or visa rejections—this episode covers it all.

In this episode of The Policy Project, Sid is joined by Toshita Chauhan, Business Head - Health Insurance at Policybazaar.ae, to explore how UAE health insurance is evolving. From mental wellness and telemedicine to wellness perks and alternative care, they unpack the latest policy inclusions that match today’s lifestyles. Tune in for expert insights and real FAQs that show how modern health coverage is becoming smarter and more relevant.

Going electric is more than just a trend—it’s a statement. But with new tech comes new challenges, especially when it comes to insurance. In this episode of The Policy Project, Sid and Neeraj Gupta, CEO, Policybazaar.ae, break down what makes insuring electric vehicles different from conventional cars. From battery coverage to rising premiums and roadside support, they dive into everything UAE EV owners need to know—and answer your burning questions on protecting your ride the smart way.

Life insurance is one of the most important financial decisions you'll ever make, but choosing the right plan can be confusing. Term Insurance or Whole Life Insurance—what’s the difference, and which one is right for you? In this episode of The Policy Project, Sid sits down with Atul Kathuria, Business Head of Life Insurance & Investments at Policybazaar.ae, to break it all down. They discuss coverage, costs, cash value benefits, and the key factors to consider before making your choice. And, of course, they answer your burning questions on securing your financial future.

There is no better way to say that you have arrived, than to make a stylish entry in a classy luxury car. But like with more power comes more responsibility, with more luxury comes a greater need for its sustenance. In this episode of The Policy Project, Sid and Neeraj Gupta, CEO, Policybazaar.ae discuss what makes car insurance for luxury cars unique, what to look for in a policy, and they also answer your questions on safeguarding high-value vehicles.

Women in business are unstoppable—breaking barriers, leading industries, and redefining success! In the latest episode of The Policy Project by Policybazaar.ae, Toshita Chauhan, Business Head – Health & Motor Insurance, sits down with two inspiring entrepreneurs, Malavika Varadan and Rashi Chowdhary, to talk about leadership, financial independence, and the power of resilience. From navigating challenges to building lasting legacies, we cover it all—plus, we answer your questions! Tune in for an empowering conversation that’s all about women supporting women.

"Two are better than one if two act as one." - So goes a famous quote by Mike Krzyzewski. And while it may not have been written in particular for ULIPs, it certainly applies to them! If you are searching for a dynamic combination of insurance and investment then look no further - ULIPs are your best friends!  In the latest episode of The Policy Project, which features Pradeep Mishra - General Manager, Innovation & Marketing at LIC International and Atul Kathuria - Business Head, Life Insurance, Policybazaar.ae - We discuss all about ULIPs and also answer questions asked by you

From booking cabs to reserving restaurant tables and even choosing dining companions by swiping through profiles on our phones, we're using technology everywhere! So why should our insurance experience be left behind? In the latest episode of The Policy Project, which features Brijesh Kumar, Head of Technology and Product at Policybazaar.ae - We discuss all about the role of tech in redefining user journeys and customer experiences in Insurance, and also answer questions asked by you!

It is often said that a friend to all is a friend to none. But with Insurance things are the opposite. From tech-savvy trends to new-age risks, insurers must stay one step ahead with creative solutions catering to all generations. Be it Boomers, Millennials, Gen Z, Gen X or even the generations yet to come. It’s all about keeping up with the times while still offering peace of mind! And in the latest episode of The Policy Project, which features Neeraj Gupta, CEO, Policybazaar.ae. We discuss all about insuring current as well as future generations and also answer questions asked by you!

Leveraging debt and credit cards is like jumping on a trampoline with a jet pack strapped on. With the right strategy, you can soar to new heights of wealth creation! In the latest episode of The Policy Project, which features Business Head, Banking, Sachin Desai - We discuss all about the role of leveraging debt and credit cards in significant wealth creation and also answer questions asked by you!

Universal Health Coverage is like a big hug for everyone—ensuring that we all feel supported and cared for, no matter what! It serves as a critical framework for ensuring that all individuals can access the health care they need without financial hardship. On the occasion of Universal Health Coverage day, in the latest episode of The Policy Project, which features Toshita Chauhan, Business Head, Health Insurance at Policybazaar.ae - We discuss all about Universal Health Coverage and also answer questions asked by you!

Credit cards: financial traps or powerful tools for managing your money? In this episode of The Policy Project, Sid sits down with Sachin Desai, Business Head - Banking for Policybazaar.ae, to tackle the most common misconceptions surrounding credit cards. From the myth that credit cards lead to inevitable debt traps to questions about their impact on your credit score, we break it all down. We talk on how to use credit cards wisely, strategies for managing debt, and tips to unlock their full potential as financial tools. Tune in to this insightful conversation to separate fact from fiction and make informed decisions about your financial health. Let’s debunk those myths together!

In this episode of The Policy Project, we explore breast cancer awareness and Women's Critical Illness Insurance, focusing on how these policies offer financial security during challenging times. Our guests, Atul Kathuria, Business Head of Term Life Insurance at Policybazaar.ae, and Pascale El Khoury, Head of Operations Life at Arabia Insurance Company, discuss the key benefits of critical illness coverage. They share insights into how the Female Cancer Cover Plan from Arabia Insurance works and why it’s essential for women’s long-term health and financial well-being. Tune in for expert advice on protecting yourself and your loved ones.

In the fast-paced world of the UAE, securing your family’s financial future has never been more important. But with so many term insurance plans on the market, how do you pick the one that truly meets your needs? In this exclusive episode of The Policy Project, we explore the ins and outs of term insurance and why it’s one of the most powerful tools for safeguarding your loved ones’ future. Join Joseph Terence, Business Head of Life Insurance and Investments at Policybazaar.ae, and Tanushree Mukherjee, Product Head - Associate Director Digital Sales at Metlife Gulf Region, as they break down the must-know details. Tune in now to learn how term insurance can provide your family with a reliable financial safety net, no matter what the future holds.

Quite far from the simplistic representation of it as a little red curved shape often flying around when two people fall in love in the movies - The human heart is a much more nuanced organ in real life. And equally dangerous and tough to navigate are the health conditions related to it. So what can we do to keep our heart health in check and how to see the symptoms in advance? Find that out, this World Heart Health day in our latest episode of The Policy Project, which features Dr. Sachin Upadhyaya, Cardiology (Specialist), Aster Hospital who discusses all about Cardiovascular issues, how to manage them using the right insurance and also answer questions asked by you!

It is often said that the best way to protect your family's future is by securing it today. But how do you choose the right term insurance plan that truly fits your needs? In this episode of The Policy Project, we dive deep into the world of term insurance and explore how it provides a robust financial safety net for your loved ones. Featuring Joseph Terrence, Business Head Life Insurance and Investments for Policybazaar.ae and Tanushree Mukherjee, Product Head - Associate Director Digital Sales - Metlife Gulf Region, we break down the essentials of term insurance, discuss the various benefits and add-ons available in the UAE market, and answer your most pressing questions to help you make an informed decision. Tune in to learn how to protect your family and secure their future with the right term insurance plan!

It is widely believed that the cars we drive say a lot about us. But sometimes, what they say a lot about are actually the weather conditions in which they are being driven! So what to do when summer strikes and our usually calm and cool rides start to overheat and throw tantrums? Find that out in the latest episode of The Policy Project, which features Tanay Gupta - Senior Director at Cars24 UAE & Toshita Chauhan, Business Head Motor Insurance, Policybazaar.ae sharing expert insights on car overheating issues, how to tackle them using the right insurance and also answers questions asked by you!

"A vacation means having nothing to do and all day to do it in!" So goes a famous quote by Robert Green. But what Mr. Green doesn’t define here are back to school expenses! So what to do when your child’s vacation ends and their expenses make a comeback along with the new semester? Find that out in the latest episode oh The Policy Project, which features Sachin Desai, Business Head, Banking at Policybazaar.ae, who discusses all about back-to-school expenses, how to manage them like a pro and also answers questions asked by you!

Designed with simplicity in mind, the HAYAH Simple Saver Plan makes investing accessible for everyone. Our experts, Joseph Terrence, Business Head of Life & Investment at Policybazaar.ae, and Arvind Krishnan, Head of Wealth Solutions & CX, will break down the key benefits, explain how you can get started, and share tips on how to make the most of your savings. Tune in to learn how you can secure your financial future with minimal effort and make smart investments, no matter your income level. Don't miss this episode packed with practical advice and expert insights!

Designed with simplicity in mind, the HAYAH Simple Saver Plan makes investing accessible for everyone. Our experts, Joseph Terrence, Business Head of Life & Investment at Policybazaar.ae, and Arvind Krishnan, Head of Wealth Solutions & CX, will break down the key benefits, explain how you can get started, and share tips on how to make the most of your savings. Tune in to learn how you can secure your financial future with minimal effort and make smart investments, no matter your income level. Don't miss this episode packed with practical advice and expert insights!

“I need a six month vacation, twice a year” - So wished every travel enthusiast ever! But while the above quote may be a little far fetched, there are tools available in the market to make your travel more fun and comfortable! And one such tool is a Travel Credit Card. The latest episode of The Policy Project features Sachin Desai, Business Head for Banking @ Policybazaar.ae who discusses all about travel credit cards and also answers questions asked by you!

Personal loans are great whenever we need access to funds without much delay. However, getting this loan and using it needs us to carefully think of many things beforehand. This latest episode of The Policy Project, hosted by Sid Vohra, is here to help! Featuring our expert guest Sachin Desai, Business Head of Banking at Policybazaar.ae, this episode will be your one-stop destination for everything personal loans!

What you need from car insurance depends, well, on you! However comprehensive your plan is, you may need a couple of extra covers as per your specific requirements. In this episode of The Policy Project, hosted by Sid Vohra, we will discuss ALL the important details about car insurance add-ons. Featuring our expert guest Toshita Chauhan, Business Head of Motor Insurance at Policybazaar.ae, this episode brings you incredible insights for making an informed decision.

2024 is an exciting year for the insurance industry in the UAE, with incredible developments on many fronts — cutting-edge tech, enhanced strategies, and more! Let’s dive deep into these trends in the latest episode of The Policy Project. Hosted by Sid Vohra and featuring expert guest Neeraj Gupta, CEO of Policybazaar.ae, this episode will bring to you all the key trends in the UAE insurance landscape.

Compared to other health insurance plans, the NRI Care Health Plan offers an unmatched blend of benefits tailored for Indian expatriates. Join host Sid Vohra and expert guest Toshita Chauhan, Business Head of Health Insurance at Policybazaar.ae on the newest episode of The Policy Project as they delve into the NRI-exclusive features that make this plan an excellent choice for many Indian expatriates in the UAE.

Compared to other health insurance plans, the NRI Care Health Plan offers an unmatched blend of benefits tailored for Indian expatriates. Join host Sid Vohra and expert guest Toshita Chauhan, Business Head of Health Insurance at Policybazaar.ae on the newest episode of The Policy Project as they delve into the NRI-exclusive features that make this plan an excellent choice for many Indian expatriates in the UAE.

In today's insurance landscape, Insurtech has made things easier and quicker for customers. Tune in to the latest episode of The Policy Project, where host Sid Vohra explores the intricacies of Insurtech with expert guest Brijesh Kumar, Head of Product and Technology at Policybazaar.ae. Gain invaluable insights poised to broaden your comprehension.

In today's insurance landscape, Insurtech has made things easier and quicker for customers. Tune in to the latest episode of The Policy Project, where host Sid Vohra explores the intricacies of Insurtech with expert guest Brijesh Kumar, Head of Product and Technology at Policybazaar.ae. Gain invaluable insights poised to broaden your comprehension.

During rains, car insurance is not just a precaution but a necessity, providing essential coverage against potential water damage. In the latest episode of The Policy Project, host Sid Vohra delves deep into the specifics of car insurance in the context of the recent spell of rains in the UAE, joined by expert guest Toshita Chauhan, Business Head of Car Insurance at Policybazaar.ae. Discover essential advice and valuable insights aimed at helping you navigate the complexities of choosing the right coverage.

Planning ahead with term life insurance offers a responsible and caring approach to safeguarding your family's well-being, even when you're not around. In the latest episode of The Policy Project, host Sid Vohra delves deep into the specifics of term life insurance, joined by expert guests Karim El Mallah, Head of Protection at MetLife Gulf, and Joseph Terrence, Business Head of Life Insurance at Policybazaar.ae. Discover essential advice and valuable insights aimed at helping you navigate the complexities of choosing the right term life policy.

Planning ahead with term life insurance offers a responsible and caring approach to safeguarding your family's well-being, even when you're not around. In the latest episode of The Policy Project, host Sid Vohra delves deep into the specifics of term life insurance, joined by expert guests Karim El Mallah, Head of Protection at MetLife Gulf, and Joseph Terrence, Business Head of Life Insurance at Policybazaar.ae. Discover essential advice and valuable insights aimed at helping you navigate the complexities of choosing the right term life policy.

Get travel insurance because the only surprises you want on your trip are the ones you planned. Join Sid Vohra as he hosts the latest episode of The Policy Project, featuring Anuj Bhagia, Head of Marketing at Policybazaar.ae. Prepare yourself for a thought-provoking dialogue enriched with expert viewpoints aimed at deepening your understanding.

Be proactive, not reactive – prioritize your health with the right health insurance plan today. Join Sid Vohra as he hosts the latest episode of The Policy Project, featuring Toshita Chauhan, Business Head of Health Insurance at Policybazaar.ae. Get ready for an insightful exchange filled with expert perspectives set to broaden your comprehension.