Neeraj Dhanda leads health insurance content at Niva Bupa, where he is responsible for how the company explains coverage to people choosing a policy for the first time.

An MBA from the Army Institute of Management, he has spent his career making complex products understandable. At Niva Bupa that means writing about policy selection, network hospital benefits, waiting periods and critical illness riders — and in particular about the gap between what a policy document says and what a buyer assumes it says. His guides are reviewed by Niva Bupa's underwriting and claims teams before publication.