Affinity · Gig Platforms
Gig platforms face growing scrutiny on worker welfare and social security compliance. Bharatsure covers your gig workforce - PA, health, income - at the moment they activate, at a cost that works for both platform and worker.
GIG COMPLIANT
Welfare & accident cover
FLEXIBLE TICKET
Pay-as-you-go PA models
Each product is embedded at the right trigger moment in your platform flow. We scope the exact configuration with you.
The single most important cover for anyone on the road. Covers accidental death, permanent/partial disability and accidental hospitalisation. Activating PA at onboarding is the most common compliance step for gig platforms facing social security scrutiny.
Explore more about Personal AccidentMonthly cashless group health cover for gig workers and their families. The most requested benefit by delivery and logistics workers - particularly relevant for platforms running high delivery volumes.
Explore more about Health Insurance (GHI)Daily cash payout when a worker is hospitalised. For a gig worker paid per task, a hospital stay means zero income - this cover fills that gap without requiring the worker to file a complex medical claim.
Explore more about Hospital Daily CashAutomatic payout when a measurable event stops a worker from earning. No claim filing - the trigger fires and the payout goes out. Purpose-built for ride-hailing, agri-linked gig work and weather-affected delivery.
Explore more about Parametric Loss of IncomeLow-premium monthly life cover auto-renewed with the subscription. Gives gig workers basic life protection without requiring them to navigate a traditional insurance process.
Explore more about Term Insurance (Sachet)
PA for Drivers
Coverage
Embedded pa for drivers configured around the partner's platform journey, with issuance, servicing and insurer coordination handled by Bharatsure.
20,000+
drivers covered
₹24/month
Premium
Outcome
Manpower retention improved; gig-worker welfare compliance met at minimal cost per driver
How it embeds
A gig mobility driver is involved in a fatal accident, leaving their family without income. The PA cover bundled with their subscription - at just ₹24/month - pays the claim to the family, providing meaningful protection at a price any gig worker can afford.
Health + PA
Coverage
Embedded health + pa configured around the partner's platform journey, with issuance, servicing and insurer coordination handled by Bharatsure.
30,000+
lives covered every month
50+
claims settled
Outcome
Real safety net for delivery partners; manpower retention improved; gig-worker welfare compliance met
How it embeds
A delivery partner falls ill and is admitted to hospital. The health insurance embedded at platform onboarding covers the hospitalisation costs - no out-of-pocket burden, and no disruption to their livelihood during recovery.
Both models work. Bharatsure supports platform-paid, worker-paid and split-premium structures.
For monthly covers, the policy runs for the paid period and is not renewed on deactivation. No exit paperwork needed.
This is a nuanced legal area. Bharatsure recommends consulting legal counsel on employment classification. Providing insurance is increasingly viewed as a welfare measure distinct from employment status.
Give your riders and delivery partners a safety net from their first shift. Tell us your onboarding flow and we'll scope PA, health and income cover - from as little as ₹4/month - embedded, issued and serviced end-to-end.
