The PolicyPal Network project has quite an interesting idea. This is the future of insurance for unbanked and cryptoassets. PolicyPal Network is a platform built with a twofold vision of addressing key issues that overlaps the fields of both insurance and cryptoassets in the world today. Sale will begin in 40 hours, most likely it will last a very short time because already collected 74% of all funds on pre-sales.
I think policypal is a great project, largely because it has a real, actual full-time working team and the idea itself, as you mentioned, has real world and practical applications. It has already also been around for a while and have good momentum going forward.