Parametric income insurance for India's gig delivery workers. When rain, curfew, or hazardous air keeps you off the road — Seguro pays you back.
The scale of the problem
Crores of workers. Zero income protection.
1.2Cr+
Gig delivery workers in India
₹0
Employer-provided income cover
47
Avg disruption days per year in metro cities
₹620
Avg daily earnings at risk per worker
How it works
Coverage in three steps.
No paperwork, no employer signature, no waiting weeks for a decision. Seguro is built around your platform data.
01
Link your platforms
Connect your Swiggy, Zomato, Zepto or Amazon Flex accounts. We collect your delivery history to establish your personal income baseline over Week 1 — no premium charged yet.
02
Pick a tier
Choose Basic (₹29), Standard (₹49), or Premium (₹79) per week. Your zone's historical disruption frequency adjusts the price by a small multiplier to keep it fair across cities.
03
Claim when disrupted
If rain, a bandh, or hazardous AQI cuts your orders, submit a claim. Our system cross-checks weather APIs, traffic data, and news — and pays your UPI the same day if verified.
Coverage tiers
Pick what fits your risk.
All tiers run on a weekly cycle matching platform paydays. You always earn more by working than by relying on Seguro — that's intentional.
Basic
₹29/week
Coverage: 40% of estimated loss
Weekly cap: ₹800
Same-day UPI payout
All disruption types covered
Most Popular
Standard
₹49/week
Coverage: 60% of estimated loss
Weekly cap: ₹1,400
Same-day UPI payout
Priority claim processing
Premium
₹79/week
Coverage: 80% of estimated loss
Weekly cap: ₹2,200
Same-day UPI payout
Multi-zone coverage
Common questions
Everything you need to know.
Does Seguro pay automatically when it rains? +
No — you submit a claim when you've had a disrupted week. This keeps payouts focused on workers who were actually affected and reduces administrative overhead. It takes under 2 minutes to apply.
What counts as a "disruption"? +
Heavy rainfall, hazardous AQI levels, curfews, bandhs, or strikes — verified across multiple independent data sources (OpenWeatherMap, WAQI, GNews, Google Maps Traffic). A single unverified news article is not enough.
What if I worked some hours during the disruption? +
Your delivery logs are cross-checked. If you completed orders during the disruption window, your estimated loss is reduced for those hours. You cannot claim lost income for time in which you demonstrably earned income.
How is my daily average calculated? +
Your Week 1 delivery data establishes the initial baseline. After enough history, it transitions to a rolling average so your coverage grows with your income — and an unusually good first week doesn't lock you into an inflated baseline.
Can I claim for a new zone I just started delivering in? +
Not immediately. A new zone requires one full week of delivery activity before claims are eligible there. Your existing zones are unaffected, and your premium is recalculated at the start of the next week.