Sharian Raj

A problem with traditional insurance: the need to pay upfront premiums puts it out of a lot of people’s reach. Sharian Raj’s solution: Senang, a company that enables people to obtain one-off coverage; gig workers, for example, can get coverage for a single shift for just MYR1 (US$0.24). The company sold 50,000 policies in 20 months, a quarter to first-time insurance buyers.