Rs 4 lakh insurance cover for gig workers: Karnataka government

Hospital expenses of up to Rs 1 lakh will be reimbursed and benefits are applicable in case of “accident on duty and off duty”, but only for active workers. They can apply within 1 year of incident.

Published: 12th September 2023 06:07 AM  |   Last Updated: 12th September 2023 06:07 AM   |  A+A-

Gig worker, delivery agent, delivery guy

Image used for representational purpose only. (Express IIlustration)

By Express News Service

BENGALURU:  In a big relief for 2.3 lakh platform-based gig workers, the Karnataka government issued an order on September 8 to roll out a package of Rs 4 lakh insurance cover— Rs 2 lakh life insurance and Rs 2 lakh accidental insurance. 

It will cover full-time and part-time workers with Swiggy, Zomato, and e-commerce companies such as Amazon, Flipkart, and BigBasket among others.  “The ‘Karnataka State Gig Workers Insurance Scheme’ is to be implemented with immediate effect through the Karnataka State Unorganised Workers’ Social Security Board,” the order stated. It fulfils the 2023-24 budgetary announcement by Chief Minister Siddaramaiah, to provide social security to workers under labour laws. The entire cost will be borne by the government. 

Hospital expenses of up to Rs 1 lakh will be reimbursed and benefits are applicable in case of “accident on duty and off duty”, but only for active workers. They can apply within one year of the accident/ death.

It is considered a breakthrough for workers who put their lives at risk while delivering goods and services. Though the state labour department has no data on the number of workers, the Centre’s Niti Aayog furnished the same, suggesting the necessity of the social security initiative.

Gig workers registered on the government’s official web portal will benefit from the initiative. Legal heirs of the beneficiaries and siblings of unmarried workers are eligible for compensation. They can apply directly on the Seva Sindhu portal with the necessary documents, including E-Labour Identity Card number.

The Karnataka State Unorganised Workers’ Social Security Board created a financial fund by opening an account ‘Karnataka State Bus Workers Insurance Scheme’ in any branch of a nationalised bank to distribute benefits. The source of finance includes a grant from the state government or Central government if the subsidy is available.  


  • 18 to 60 years of age; should not be an income-tax payer, and those who do not avail of ESI and EPF
  • Exceptions: Death by suicide, if in an inebriated state at the time of the accident
  • The insanity of beneficiary, due to any violation of law with criminal intent, accident due to war, invasion, act of a foreign enemy, mutiny, revolution, military or usurpation, sequestration, detention, an accident caused by nuclear material 
  • A gig worker is disqualified in case of death/accident in a non-active gig occupation and working in a state other than Karnataka 

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