In a first-of-its-kind move to expand social protection for gig economy staff, the Tamil Nadu government has rolled out a free accident insurance scheme providing annual coverage of up to ₹5 lakh. The initiative is targeted at food delivery riders, ride-hailing drivers, and courier personnel, who frequently face hazardous road conditions.
The policy, administered by the state’s Platform-Based Gig Workers Welfare Board, guarantees full compensation in cases of death or permanent disability, while partial injuries—ranging from hearing loss to loss of limbs—will be covered based on medical certification. Premiums of about ₹105 per worker will be fully borne by the state, ensuring no cost to beneficiaries.
Initially, the scheme covers 50,000 registered gig workers, though the government estimates nearly three lakh are eligible. So far, only 10,000 have enrolled. To boost participation, authorities are partnering with platforms like Swiggy, Zomato, and Rapido, and setting up outreach camps during workers’ off-duty hours.
The state is also offering a ₹20,000 subsidy on electric scooter purchases to ease financial burdens and encourage adoption of eco-friendly vehicles, particularly for delivery staff dependent on two-wheelers.
Together, the measures reflect a shift towards formally recognising gig workers and addressing their safety and welfare concerns. For thousands of riders and drivers, the insurance plan not only provides financial protection but also signals growing policy focus on their wellbeing.
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