Gig Worker Insurance: What ₹0 Cover Means for You?

Swiggy and Zomato offer delivery partners some accident and health insurance — but coverage is often limited to active hours, capped at low amounts, and may change as new gig worker social security rules take shape in India.

Here's what happened: Swiggy and Zomato provide group accident and limited health insurance to delivery partners, but coverage is typically active only during logged-in, on-trip hours — not all-day protection.. The Code on Social Security, 2020 legally requires gig platforms to contribute to a social security fund for gig workers, though state-level implementation rules are still being rolled out across India.. Accidental death and disability benefits offered by major platforms generally range from ₹2 lakh to ₹5 lakh — amounts that may fall short of covering hospitalisation costs, lost income, and family support needs..

What you should do: Download your platform's insurance certificate from the partner app or helpdesk and read the exclusions section — specifically check if cover stops when you go offline.. Compare your platform cover against a standalone personal accident policy (starts at ₹150–300/year for ₹10 lakh cover) — buying one privately fills the gap during off-duty hours.. Check whether your state has notified gig worker social security rules under the Code on Social Security, 2020 — registered workers will be first in line for government welfare benefits..

A personal accident policy bought individually costs as little as ₹12–25 per month and covers you 24/7 — unlike platform insurance tied to active delivery shifts.

For readers weighing their credit and loan options, our personal loan guide and CIBIL score resources put this update in context.