Protection, built by people who got tired of watching others struggle without it.
Chhaya started with a simple observation: the people who need protection most are usually the ones priced out of it, or lost in the paperwork required to get it. We're now bringing that same mission to the UAE.
A platform built for the people banks and brokers overlook.
Chhaya launched in South Asia in 2020 as a digital-first protection platform for households that traditional insurers found too small, too informal, or too much effort to serve well. The answer wasn't a cheaper version of the same product — it was a different way of building it: online sign-up, plans explained in plain language, and claims handled without a single office visit.
Today that platform protects tens of thousands of members through licensed underwriting partners. The UAE is the next place we want to bring it — adapted for a market shaped by expats, families abroad, and a workforce that lives on its phone.
Why we're doing this at all.
Our mission
To close the protection gap for households that get overlooked, with products that are affordable, easy to understand and ready to help within minutes of needing them.
Our vision
A future where carrying protection for your health, your car, your travel and your family feels as ordinary as topping up your phone — not a financial chore.
Where we've been, and where the UAE fits in.
Chhaya launches in South Asia
Founded as a digital-first micro-insurance enabler for the emerging middle class, working with licensed underwriting partners from day one.
Scaling with real members
Growth to tens of thousands of members across dozens of districts, alongside the launch of health, motor, travel and wellness products.
Recognised on a regional stage
Named a finalist in the GITEX Asia Supernova Challenge, recognising the platform's approach to accessible digital protection.
Preparing for the UAE
Building a UAE-ready version of the platform — priced in AED, bilingual by default, and working through local regulatory requirements.
The principles behind every product decision.
Clarity over cleverness
If a policy needs a lawyer to explain it, we consider that a design failure, not a legal necessity.
Speed when it matters
Claims are urgent for the person filing them. Our processes are built around that urgency, not around ours.
Trust, earned twice
We built trust once in our home markets. In the UAE, we know we start over — and we're building for that.
Want updates as we build toward launch?
We'll only email you about the UAE launch — plans, timelines, and how to register once we open.