Affinity · Personal Accident
When an accident happens, your users shouldn't face it alone
Accidental death, permanent and partial disability, accidental hospitalisation - daily to annual tenures. Built for the gig workers, drivers, travellers and blue-collar workforce that keep India moving, and the platforms that serve them.
GIG WELFARE
Accidental death & disability
SACHET RATE
Cover starting at ₹4/month
Cover details
The protection scope, sub-covers and tenure options available - configurable per your platform and user segment.
PA Cover
Covers accidental death, permanent disability, partial disability and accidental hospitalisation. Sachet-friendly - available in daily, weekly, monthly and annual tenures.
Included coverage
- Accidental death
- Permanent total disability
- Permanent partial disability
- Accidental hospitalisation
- Transportation of mortal remains (optional)
For: Drivers, gig workers, travellers, blue-collar and construction workforce
Which platforms embed Personal Accident
Personal Accident 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
Gig Platforms
PA bundled at onboarding - covers riders, delivery partners, task workers
EV & Mobility
Driver PA bundled with vehicle insurance or subscription
Lending & NBFCs
PA bundled with personal loans at disbursal
Construction & Blue-collar Staffing
PA for contractual workers - compliance with labour welfare guidelines
Travel & OTAs
PA bundled with ticket or hotel booking
Adventure & Sports Platforms
Activity-specific PA for trekking, cycling, adventure tourism
Courier & Logistics
PA for last-mile delivery partners - per delivery or monthly
Why Bharatsure
Built around real user moments
We help platforms package, trigger and service personal accident at the exact point where users already need protection, with product design, insurer rails and claims operations working as one stack.
The most versatile cover in the catalogue
PA pairs with almost every other product, from EV fire insurance to gig-worker health cover
Sachet-friendly tenures
A gig worker paying ₹24/month for PA cover is a live, working product
Compliance-ready
Many gig platforms are under scrutiny for worker welfare; PA cover at onboarding is a practical, affordable compliance step
Live on the platform
Partners who have embedded this product.
Gig mobility platform
PA for Drivers
Coverage
₹3L personal accident cover for death or permanent disability for drivers using or leasing batteries. Premium: ₹24/month + GST.
20,000+
drivers covered
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 - ensures the insurer pays the claim to the family, providing meaningful protection at a price any gig worker can afford.
Last-mile delivery platforms
Gig Worker Health + PA
Coverage
Health insurance up to ₹3L with cashless hospitalisation (from ₹100/month); PA up to ₹5L covering death, permanent disability, accidental hospitalisation and OPD (from ₹4/month).
30,000+
lives covered every month
50+
claims settled
Outcome
Real safety net for delivery partners; manpower retention; compliance with gig-worker welfare guidelines
How it embeds
A delivery rider meets with a fatal accident. The PA cover embedded in their platform onboarding ensures the insurer pays the claim amount to the family - so they aren't left without support in the most difficult moment, even if the rider never thought to buy insurance themselves.
Common questions
View all FAQsPA covers death or disability specifically caused by an accident. Term insurance covers death from any cause - accident, illness or otherwise. For gig workers where the primary risk is on-road accidents, PA is often more relevant and significantly cheaper.
Yes. EV mobility programs commonly pair fire insurance for the station with PA for the driver in one integrated cover. Bharatsure handles the bundling and single-policy issuance.
Yes. Permanent partial disability (e.g. loss of a finger, partial loss of vision) is covered as a percentage of the sum insured, defined in the policy schedule.
Protect the people your platform depends on
Give riders, drivers and workers a safety net from their very first shift. Tell us your platform and the activation moment, and we'll co-design PA cover from as little as ₹4/month - embedded at onboarding, issued and serviced end-to-end.
