The Policy Project

For something that plays such an important role in financial planning, life insurance is often surrounded by assumptions. “I’m too young.” “My company already covers me.” “I’ll get it when I have a family.” “It’s complicated.” Sounds familiar?​

Running a business means planning for growth, risk, and the unexpected, but most entrepreneurs only plan for the first two. Life insurance rarely makes the list, even though it protects everything they've built.​

Our guests Atul Kathuria, Business Head - Life Insurance, Policybazaar.ae & Shilpa Chitanand, Head of Retail Distribution, Zurich International Life break down why business owners need to rethink protection, on this episode of The Policy Project.​

Life insurance is often something expats think about later, but protecting the people who matter shouldn’t wait. In this episode of The Policy Project Podcast, we explore the life insurance considerations expats often overlook, the common challenges they face, and how the right coverage can help safeguard their loved ones’ financial future.

Join Atul Kathuria, Business Head – Life Insurance at Policybazaar.ae, and Amin Messabis, Head of Life Insurance at HAYAH Insurance, as they share expert perspectives, practical guidance, and key insights to help expats make more confident and informed decisions about life insurance. Because building a life abroad also means protecting the life you’ve built and for whom you've built.

Buying insurance used to mean paperwork, meetings, and endless signatures. Today, it can happen in just a few clicks. But when it comes to protecting your family's future, does convenience come at the cost of confidence?​

In this episode of The Policy Project Podcast, host Malavika sits down with Atul Kathuria, Business Head, Life Insurance at Policybazaar.ae, to unpack the debate around buying insurance online versus offline, the role of trust in financial decisions, and why more customers in the UAE are choosing digital journeys without giving up the reassurance they need.

Your UAE health insurance protects you today. But what happens when your life spans both the UAE and India?

Changing jobs, retiring, losing employer-sponsored cover, or waiting too long to buy insurance can leave NRIs facing costly gaps they never saw coming.

In this episode of The Policy Project Podcast, Yashish Dahiya, CEO of PB Fintech Group, breaks down the biggest health insurance mistakes NRIs make and how to avoid them. From waiting periods and cashless coverage to the importance of securing the right plan early, discover what truly matters when protecting your future.

You’ll also learn how a single solution can provide seamless health coverage across all 7 Emirates and 1,900+ cities in India, so you don’t have to manage separate policies for two countries.

Because the best health insurance plan isn’t just designed for where you live today. It’s built for where life takes you tomorrow.

Life insurance decisions don’t stay the same as life moves forward. In your 30s, it may feel like something you can put off. In your 40s, it starts to compete with growing financial responsibilities. And by your 50s, it becomes closely tied to protecting your dependents, clearing liabilities, and securing the future you’ve worked hard to build.​

In the latest episode of The Policy Project Podcast, Atul Kathuria, Business Head – Life Insurance at Policybazaar.ae, and Christina Acanthe, Sales and Quality Capability Lead – MetLife Gulf, share expert insights on how term life insurance evolves across your 30s, 40s, and 50s, and what individuals and families in the UAE should consider at each life stage.​

Because life insurance isn’t just about where you are today. It’s about preparing for everything that comes next. Listen to the full episode now!

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.​