On 7th July 2023, Chief Minister Siddaramaiah introduced the Karnataka Gig Workers Insurance Scheme, a pioneering initiative offering insurance coverage of Rs 4 lakh for gig workers in the state. The scheme primarily targets e-commerce delivery workers, providing them with life and accident insurance benefits. In this article, we will delve into the key highlights, objectives, features, eligibility criteria, required documents, and the application process of this groundbreaking insurance scheme.
Highlights of Karnataka Gig Workers Insurance Scheme:
- Name: Gig Workers Insurance Scheme
- Introduced By: Chief Minister Siddaramaiah
- Introduced On: 7th July 2023
- State: Karnataka
- Beneficiary: Delivery Man of E-commerce Companies
- Insurance Amount for Accident: 2 lakh Rupees per Year
- Life Insurance Amount: 2 Lakh Rupees per Year
- Total Insurance Amount: 4 Lakh Rupees per Year
- Official Website: N/A (To be announced)
Objective of the Scheme:
The primary objective of the Gig Workers Insurance Scheme is to provide insurance benefits to gig workers who tirelessly deliver goods to customers’ homes or workplaces throughout the year. The scheme aims to offer both life and accident insurance coverage, acknowledging the dedication and timely services provided by gig workers, regardless of weather conditions.
Features & Benefits of Karnataka Gig Workers Insurance Scheme:
- Inclusive Eligibility: The scheme covers both full-time and part-time gig workers engaged in delivery services.
- Premium Covered: The Karnataka State Government bears the entire premium for the insurance scheme, relieving the workers from any financial burden.
- Comprehensive Coverage: Eligible gig workers can claim up to Rs. 2 lakh for life insurance and Rs. 2 lakh for accident insurance, making the total annual claimable amount up to 4 lakh Rupees.
- No Premium Payments: One of the most significant features is that gig workers do not need to pay any premiums to avail the insurance coverage.
- Beneficial for Gig Workers: This Accident + Life Insurance Scheme is highly advantageous for gig workers across Karnataka.
Eligibility Criteria for Karnataka Gig Workers Insurance Scheme:
To be eligible for the insurance scheme, applicants must meet the following criteria:
- Resident of Karnataka: The scheme benefits are available only to residents of Karnataka.
- Full-time and Part-time Gig Workers: Both full-time and part-time gig workers engaged with online retailers like Zomato, Swiggy, Flipkart, Snapdeal, etc., are eligible for insurance benefits.
Required Documents to Apply:
Applicants need to provide the following documents while applying for the insurance scheme:
- Passport Size Photograph
- Aadhar Card
- Domicile Certificate
- Mobile Number
- Death Certificate (if applicable)
- Doctor’s Prescription (in case of an accident)
- E-commerce Company ID
- Bank Account Details
As of now, the official website for the Karnataka Gig Workers Insurance Scheme has not been launched by the government. However, interested gig workers should stay tuned for updates as the website is expected to be announced soon.
Q1: What is the Karnataka Gig Workers Insurance Scheme?
A1: The Karnataka Gig Workers Insurance Scheme is a pioneering initiative introduced by Chief Minister Siddaramaiah on 7th July 2023. It offers insurance coverage of Rs. 4 lakh per year for gig workers in the state, primarily targeting e-commerce delivery workers. The insurance benefits include both life and accident coverage.
Q2: Who is eligible for the Karnataka Gig Workers Insurance Scheme?
A2: To be eligible for the scheme, applicants must be residents of Karnataka and engaged as full-time or part-time gig workers with online retailers like Zomato, Swiggy, Flipkart, Snapdeal, etc. Both categories of gig workers are eligible for the insurance benefits.
Q3: What are the coverage amounts provided by the Gig Workers Insurance Scheme?
A3: The scheme offers a total annual claimable amount of Rs. 4 lakh per year. Gig workers can claim up to Rs. 2 lakh for life insurance and up to Rs. 2 lakh for accident insurance.
Q4: Are gig workers required to pay any premiums for availing the insurance coverage?
A4: No, gig workers do not need to pay any premiums to avail of the insurance coverage. The entire premium for the insurance scheme is covered by the Karnataka State Government.
Q5: What documents are required to apply for the Karnataka Gig Workers Insurance Scheme?
A5: Applicants need to provide the following documents while applying for the insurance scheme: Passport Size Photograph, Aadhar Card, Domicile Certificate, Mobile Number, Death Certificate (if applicable), Doctor’s Prescription (in case of an accident), E-commerce Company ID, and Bank Account Details.