Affinity · Income Protection
Protect what people actually earn
Daily hospicash, parametric income covers and job-loss payouts - designed for daily wage earners, gig workers and salaried employees who can't afford to lose income when the unexpected happens.
PARAMETRIC TRIGGER
Live Payouts
ZERO FRICTION
No claim filing needed
Cover details
The protection scope, sub-covers and tenure options available - configurable per your platform and user segment.
Hospital Daily Cash
Fixed payout for each day of hospitalisation. No bills needed - a discharge certificate is enough.
Included coverage
- Daily cash ₹100–₹10,000
- Discharge certificate sufficient
- Daily, weekly or monthly tenure
For: Daily wage earners, gig workers, salaried employees
Parametric Loss of Income
Automatic payout triggered by a measurable event - zero rides logged, rainfall index, platform downtime.
Included coverage
- Zero-ride trigger
- Rainfall index trigger
- Platform downtime trigger
For: Gig workers, farmers, small business owners
Job Loss Cover
Fixed monthly payout for 3–6 months upon involuntary job loss or retrenchment.
Included coverage
- 3–6 month payout
- Involuntary retrenchment trigger
- Payroll-linked issuance
For: Salaried employees, EMI borrowers, gig-to-formal workers
Which platforms embed Income Protection
Income Protection works across a wide range of industries and trigger moments. We scope both together so the cover appears exactly when your user needs protection.
Embeds at
Lending & NBFCs
Hospital daily cash bundled with personal loan disbursal
Gig Platforms
Parametric income cover triggered on activation
HRMS & Payroll
Job loss cover embedded in payroll subscription
Agri Fintech
Parametric rainfall/crop income cover
Investment & SIP Apps
Income protection bundled with SIP activation
Why Bharatsure
Built around real user moments
We help platforms package, trigger and service income protection at the exact point where users already need protection, with product design, insurer rails and claims operations working as one stack.
Sachet-friendly
Daily, weekly, monthly tenures to match how gig workers earn
Parametric trigger support
Automatic payout, no claim filing friction
Co-designed
We scope the exact trigger event with your product team
Live on the platform
Partners who have embedded this product.
Gig delivery platforms
Hospital Daily Cash
Coverage
Cashless hospitalisation, accidental hospitalisation and OPD for delivery partners. Health cover from ₹100/month for ₹1L sum insured; PA from ₹4/month.
30,000+
lives covered every month
50+
claims settled
Outcome
Real income safety net for delivery partners - hospitalisation costs covered, no out-of-pocket burden during recovery
How it embeds
A delivery partner falls ill and is admitted to hospital, placing huge financial strain on their family. Thanks to the health insurance embedded at onboarding, their hospitalisation costs are fully covered - no bills to worry about while they recover.
Community health platform
Daily Hospicash
Coverage
Lump sum payout of ₹1,000–₹3,000 for every day of hospitalisation, distributed through community entrepreneurs to low-income families.
10,000+
lives covered to date
Premium from ₹200/annum
Outcome
Higher user engagement and stronger platform value proposition - low-income families protected from income loss during hospitalisation
How it embeds
A daily wage earner is hospitalised for a week, losing all income while also incurring medical costs. The daily hospicash cover pays out ₹1,000 per day - replacing lost wages so the family can manage their expenses without falling into debt.
Common questions
View all FAQsYes. Parametric covers are designed around a trigger event you define - zero rides, rainfall below a threshold, platform downtime. We scope the trigger with you and build the actuarial model around it.
Yes, for the standard Hospital Daily Cash product. No bills, no detailed medical records - just a discharge certificate confirming the days of hospitalisation.
Yes. Many platforms make it a soft-mandatory benefit - the premium is either employer-paid or deducted from payroll. Bharatsure can advise on the right model for your user base.
Want to protect your users' income
Tell us your platform and the moment your users earn - at disbursal, onboarding, payroll signup or subscription. We'll co-design sachet, daily or parametric cover that pays out without claim-filing friction, and have a pilot live in days.
