Weekly Premium
₹50
Flat for everyone
Your Payout Range
₹80–₹300
Risk Pool ÷ Affected Riders
Total Earned Back
₹1,100
Payouts + cashback
Savings Pool
₹120
Withdraw anytime →
Workability Score
● SAFE
78
out of 100
Rainfall
2mm
Temp
31°C
Wind
14 km/h
AQI
88
Your Pools
Risk Pool
₹3,750
Community Fund
₹1,250
Your Savings
₹120
Your Disruption Compensation
🌧️ Heavy Rain₹80–₹300
🌡️ Extreme Heat₹80–₹300
🌊 Flood Alert₹80–₹300
🧮 Dynamic formula: Risk Pool ÷ Affected Riders in your zone. Fewer affected = higher payout. Minimum guaranteed ₹80.
💰 Your Savings Pool
₹120 available · Yours to keep anytime
Recent Activity
| Date | Event | Zone | Payout | Status |
|---|---|---|---|---|
| Mar 17 | Heavy Rain | 600001 | +₹700 | Paid |
| Mar 10 | Clear Week | 600001 | Cashback ₹10 | Saved |
| Mar 3 | Extreme Heat | 600001 | +₹700 | Paid |
| Feb 24 | Clear Week | 600001 | Cashback ₹10 | Saved |
Streak 🔥
6
Weeks consistent
🎯 2 more weeks
to unlock loyalty bonus
🔐 How Your Money is Protected
🤝
Layer 1 – Community Risk Pool
100 riders each pay ₹50/week. ₹30 (60%) → Risk Pool. When unsafe weather hits your zone, Risk Pool ÷ Affected Riders = your automatic payout. Riders protect each other — no insurer needed.
🏦
Layer 2 – SHG Community Fund
₹10 (20%) → Community Fund — inspired by Self Help Groups. Used for emergency backup when Risk Pool runs short, small micro-loans for riders in need, and community support between members.
💰
Layer 3 – Your Savings Pool
₹10 (20%) → Your Savings — this is always yours. Withdraw anytime you need it. If you don't claim a payout in a week, that week's share accumulates. Premium is never wasted.
⚙️ Automated Payment Process — How it works end to end
🏍️
Rider Pays
₹50 auto-deducted from Swiggy/Zomato earnings weekly
→
🗂️
Pool Split
₹30 Risk · ₹10 SHG · ₹10 Savings — auto-allocated
→
🛰️
IMD Monitors
Hyperlocal weather polled every 15 min per pincode
→
🧠
AI Scores
Workability Score calculated · unsafe zones flagged
→
📍
GPS Verified
Rider confirmed in affected zone · fraud check passed
→
🧮
Calc Payout
Risk Pool ÷ Affected Riders = ₹80–₹300 per rider
→
💸
Auto Credited
Money in account · WhatsApp alert · ~12 seconds total
🎁
Non-affected riders (clear zones): No payout triggered → their ₹10 savings share accumulates → withdraw anytime from Savings Pool or let it grow for bigger cashback.
✅ This is Parametric Insurance — payout triggers automatically when a condition is met (bad weather), not when you file a claim. Riders fund each other. AI manages it. Your savings are always yours.