Group Health Insurance for Gig Economy Workers
Providing health protection for the modern workforce with flexible solutions designed for the unique needs of gig workers.
The Gig Economy & Insurance Challenges
The gig economy in India is experiencing explosive growth, with over 15 million gig workers across various sectors. Unlike traditional employees, these workers often lack access to employer-provided benefits, creating a significant protection gap.
Why Gig Workers Need Health Insurance
- •Income instability and unpredictable earning patterns
- •Lack of traditional employee benefits
- •Physical risks associated with delivery and transportation work
- •Limited financial safety nets for health emergencies
Unique Insurance Challenges for Gig Workers
Traditional group health insurance models weren't built for the gig economy. Here's how we address these challenges:
Intermittent Work Patterns
Gig workers may not have consistent work schedules, making traditional monthly premium payments challenging.
Our Solution:
Flexible payment structures with pay-per-use options and installment-based premiums.
Multiple Platform Work
Many gig workers provide services across multiple platforms, creating confusion about which company provides coverage.
Our Solution:
Portable insurance plans that stay with the worker regardless of which platform they're working with.
Affordability Concerns
Individual health insurance is often too expensive for gig workers with fluctuating incomes.
Our Solution:
Group-negotiated rates with platform companies subsidizing a portion of the premium cost.
Unique Risk Profile
Delivery and transport gig workers face specific occupational hazards different from office workers.
Our Solution:
Tailored coverage with accident protection, road risk coverage, and income protection during recovery.
Our Gig Worker Insurance Solutions
Platform-Partnered Coverage
We work directly with gig platforms to provide group health insurance that can be extended to their service providers. This model creates economies of scale, making premiums more affordable while giving platforms a competitive edge in worker recruitment.
Pay-Per-Job Coverage
Our innovative micro-insurance model lets platforms add a small insurance component to each job completed. This creates a coverage fund for the worker without requiring large upfront premium payments.
Gig Worker Associations
We help create and organize gig worker associations that can negotiate group rates, similar to how traditional employers obtain group health insurance for their employees.
Success Story
Leading Food Delivery Platform
When one of India's largest food delivery platforms approached us, they were struggling with high delivery partner turnover and wanted to offer health benefits without classifying workers as employees.
Our solution was a hybrid model where:
- The platform contributed ₹2 per delivery to a health coverage fund
- Delivery partners could opt in with a small monthly contribution
- Coverage activated after a minimum number of deliveries per month
- Basic coverage was free, with premium upgrades available
Results:
45% decrease in delivery partner turnover and 60% opt-in rate among eligible workers.
Gig workers protected through our platform
Claims paid for gig workers in the last year
Frequently Asked Questions
Are gig workers eligible for traditional group health insurance?
While traditional group health insurance is designed for full-time employees, SecureNow has developed specialized group plans that accommodate the unique nature of gig work relationships.
How can platforms offer insurance without classifying workers as employees?
Our insurance structures are designed to maintain the independent contractor relationship while still providing meaningful health protection. We use contribution models and voluntary opt-in systems that comply with labor regulations.
What's the business benefit for platforms to offer health coverage?
Platforms that offer health benefits see significant improvements in worker retention, satisfaction, and productivity. It also creates a competitive advantage in attracting quality service providers.
Can coverage continue if a gig worker switches platforms?
We offer portable coverage options that can be designed to stay with the worker even if they move between platforms, ensuring continuous protection regardless of which company they're currently providing services for.
Protect Your Gig Workforce
Whether you're a platform company looking to offer benefits or an association of gig workers seeking group coverage, we have solutions tailored to your needs.