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Indian gig employees like delivery partners and drivers will have protection measures in 2026 through insurance and accident benefits provided by schemes through the e-Shram Portal and the Code on Social Security, 2020. These are insurance against accidents, disability cover, and financial aid, yet it is very necessary to understand how to claim them.
Step 1 – Register on e-Shram
You have to register on the e-Shram Portal to claim any benefit. Registration also offers a Universal Account Number (UAN) and links you with social security plans, such as accident insurance.
Step 2 – Check Eligibility
Ensure you meet these conditions:
- Active e-Shram registration
- Age between 18–70 years
- Minimum work requirement (in some cases, ~90 days/year)
Benefits include accident insurance, health coverage, and disability support funded under the Social Security Code.
Step 3 – Report the Accident
Immediately report the incident:
- Inform the platform or employer
- File an FIR (for serious accidents)
- Notify your bank (linked to your e-Shram account)
Timely reporting is critical for claim approval.
Step 4 – Submit Claim Form
Fill out the insurance claim form (often under schemes like PMSBY) and attach:
- Aadhaar and e-Shram card
- FIR (if applicable)
- Medical/disability certificate
- Bank details
Submit the form through your bank or designated authority.
Step 5 – Verification & Payment
Authorities verify your claim and eligibility. Once approved:
- Compensation is credited via Direct Benefit Transfer (DBT)
- ₹2 lakh for death/full disability
- ₹1 lakh for partial disability
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FAQs
1. What benefits do gig workers get in 2026?
Gig workers receive accident insurance, disability cover, health benefits, and pension support under government schemes.
2. Is e-Shram registration mandatory?
It is strongly recommended and may become mandatory for accessing benefits through platforms.
3. How much compensation can I receive?
Up to ₹2 lakh for accidental death or full disability, and ₹1 lakh for partial disability.
4. What are common challenges in claims?
Lack of documentation, delayed reporting, and unclear platform policies can delay or reject claims.
