Does Swiggy insurance cover my parents?

Only partners in the Gold Tier get family coverage. If you are in Silver or Bronze, only you are covered for accidents.

How do I find my Zomato insurance policy number?

Open the Zomato Delivery Partner app, go to 'Profile', then 'Insurance'. Your policy details and claim buttons are located there.

What is the e-Shram portal for gig workers?

It is a national database. Registering gives you a UAN, making you eligible for future government-backed insurance and pension schemes.

Is natural death covered by Zomato or Swiggy?

Usually, no. Platform insurance focuses on accidental death. For natural death cover, you need a separate personal life insurance policy.

Can I get maternity benefits from Zomato immediately?

No. You must complete 1,000 deliveries and have been active for at least 60 days to qualify for the maternity cover.

What is the 'loss of pay' benefit?

It pays you a daily amount if you are unable to work due to a road accident, helping cover your lost earnings.

Insurance for Gig Workers: Zomato & Swiggy Plans Compared

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Insurance for Gig Workers: Zomato and Swiggy Partner Plans Explained

Platform insurance covers road accidents, but your family might still be at risk. Learn how to bridge the gap and claim your benefits.

4 min read

OneAssure Team

March 30, 2026

Need advice tailored to you?

Looking for the right plan? You don't have to guess. Let us compare the fine print for you and give you an unbiased recommendation.

Need advice tailored to you?

Looking for the right plan? You don't have to guess. Let us compare the fine print for you and give you an unbiased recommendation.

The Reality of the Road

You are weaving through traffic on a wet Tuesday evening in Bengaluru. A car suddenly swerves. You hit the brakes hard. Your bike skids. You are mostly fine, but your leg is badly bruised and your phone screen is shattered. This is the daily reality for millions of delivery partners in India. While platforms like Zomato and Swiggy offer insurance, many workers only look at the fine print after an accident happens. Relying only on platform cover is like wearing a helmet but no shoes. It protects the most obvious risk, but leaves the rest of your life exposed.

Zomato vs. Swiggy: What Do You Actually Get?

Both giants offer a safety net, but they work differently. Zomato provides a flat accidental death cover of ten lakh rupees and a medical cover of one lakh rupees for all active partners. They also offer a unique maternity insurance. Female delivery partners can get up to forty thousand rupees for a C-section or twenty-five thousand for a normal delivery. To qualify, you must have completed one thousand deliveries and stayed active for sixty days. It is a solid start for women in the gig economy.Swiggy uses a tiered system. Think of it like a game. Your benefits depend on your performance points. If you are in the Gold Tier, your family gets health insurance. If you drop to the Bronze Tier because you took a week off, your family loses that cover instantly. You only keep the basic accident insurance. This performance-linked insurance means your family protection is only as good as your last week of work. It is unpredictable. It is risky.

The Loss of Pay Benefit: Your Income Guard

A road accident does more than just hurt your body. it stops your earnings. If a doctor advises bed rest after a crash, you cannot deliver. Zomato and Swiggy both offer a loss of pay benefit. This covers your daily earnings for a limited period, usually up to three months, while you recover. Check your app right now. You can find your policy number and the insurance partner name (like Acko or Reliance General) in the profile or help section. Save these details. Do not wait for an emergency to find them.

The 90-Day Rule and e-Shram

The government is changing how gig workers are treated. Under the new labor codes expected by April 2026, you must work at least ninety days with one platform in a year to qualify for mandatory social security. If you work across multiple apps, the threshold is one hundred and twenty days. To secure these future benefits, you must register on the e-Shram portal. It gives you a Universal Account Number (UAN). This UAN will eventually link you to schemes like Ayushman Bharat, which provides five lakh rupees of health cover per family. Registering is free. It is your ticket to long-term safety.

Filling the Gaps with Personal Insurance

Platform insurance has a big hole: it usually only covers accidents. If you fall ill with a fever or need a minor surgery unrelated to a road accident, you might be on your own. Also, platform insurance almost never covers natural death. If a partner passes away in their sleep, the family gets nothing from the platform. A small personal term insurance or a basic health plan can fix this. The good news is that from September 2025, the 18% GST on individual health insurance will be removed. This makes personal plans much cheaper for young earners. If you buy a plan for your retired parents, you can also claim Section 80D tax deductions. Even if you do not pay much tax now, these savings add up. Checking options on OneAssure can help you see which personal plans fit your budget without the heavy jargon.

Your Claim Checklist

To get your money back fast after an emergency, keep these documents ready in a folder:

FIR Copy: Needed for all road accidents.
Discharge Summary: The original paper from the hospital.
Bills and Receipts: Every single pharmacy bill matters.
App Screenshots: Proof that you were 'on-trip' or active when the accident happened.
Bank Details: A cancelled cheque for the payout.

Insurance is not just a checkbox for your onboarding. It is the only thing standing between your family and a massive debt. Take ten minutes today to check your tier status and register on e-Shram. Your future self will thank you.