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How Can I Claim Insurance or Benefits After an Accident on the Job?

How Can I Claim Insurance or Benefits After an Accident on the Job?
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In 2025, India's gig workforce is growing faster than ever—so are the risks that gig workers face daily, from road accidents to work-related injuries. Whether you’re a delivery partner, driver, mover, or part-time service provider, knowing how to claim insurance or social security benefits can make a big difference during tough times.

This guide walks you through the step-by-step process of claiming benefits under Ayushman Bharat, company-sponsored insurance, and private policies. You'll also find links to trusted support platforms like Marketplace Company that are helping workers navigate these critical situations.

1. Understand Your Insurance Options

Most Indian gig workers are now eligible for at least one of the following:

Ayushman Bharat (PM-JAY)

A government-backed health insurance scheme that provides up to ₹5 lakh coverage annually for hospitalization.

Company Insurance

Some platforms provide accident insurance and medical coverage for workers who are actively logged in.

Private Insurance

Personal insurance purchased separately or bundled with bank accounts or micro-loan schemes.

It’s important to check your platform’s onboarding materials or terms of engagement to know what you're covered for.

2. Immediate Steps After an Accident

If you are injured during work:

  • Seek Medical Help First: Visit the nearest hospital or contact an ambulance.

  • Inform the Platform: Use the in-app support or helpline.

  • Document Everything: Save medical bills, prescriptions, and photographs of the incident.

  • File a Police FIR (if needed): Especially in road accident cases.

For gig workers partnered with Marketplace Company, we assist with accident reporting protocols and provide immediate onboarding support for insurance documentation.

3. Claiming Ayushman Bharat

To use Ayushman Bharat, follow these steps:

  1. Check Eligibility: Visit PMJAY.gov.in or confirm with your Aadhar card.

  2. Visit an Empanelled Hospital: Show your Ayushman Bharat ID or Aadhar at the helpdesk.

  3. Hospital Files e-Claim: The hospital will initiate the cashless claim process online.

  4. Approval & Treatment: Once approved, treatment proceeds without upfront payment.

Need help locating your nearest empanelled hospital? Reach out to our support team for a quick check.

4. Company Insurance Claims

If your platform offers on-the-job accident insurance:

  • File the Claim within 24–48 hours via app or helpdesk.

  • Submit:


    • Job ID screenshot

    • Time/location of incident

    • Hospital admission proof

    • FIR or accident note (if needed)

  • Track Your Claim via platform app or email

Marketplace Company supports its workers with claim filing templates and real-time guidance.

5. Claiming Private Insurance

If you’ve purchased insurance from a private provider:

  • Call the insurer’s 24x7 helpline

  • Fill out the Claim Form (online or offline)

  • Submit all supporting medical records

  • Retain a copy of every receipt and form

  • Await settlement within 7–15 working days

For help understanding your policy or connecting with insurers, visit our Careers Hub—we maintain a list of reliable insurance partners for gig workers.

Common Mistakes That Delay Claims

  • Incomplete paperwork

  • Delayed reporting (especially in app-based jobs)

  • Non-network hospital visits for Ayushman Bharat

  • Not tracking claim reference numbers

  • Submitting handwritten bills or unrecognized formats

If you’re unsure what’s valid, get a free consultation with our worker support team.

Trusted Resources for Gig Workers

At Marketplace Company, we’ve built a full support system to help you navigate your gig journey—especially when you’re in crisis.

Onboarding Help
Verified Insurance Guidance
Contact Support Team
Job Safety Resources
News & Education Hub

Stay Connected: Real-Time Updates on Claims, Benefits & Rights

For urgent updates and safety resources, follow us on:

LinkedIn - Marketplace Company

We share weekly news, policy changes, and platform claim guides.

Instagram - marketplace_company

Get visual step-by-step tutorials on how to claim benefits and report incidents.

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