India Gig Workers: How to Claim Insurance & Accident Benefits in 2026

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

https://www.instagram.com/p/DWbLRHAk8xx/

FAQs