In cities like Pune and Hyderabad, gig workers form the backbone of modern service ecosystems—from delivering food and ferrying passengers to fixing appliances and managing e-commerce logistics. However, despite their vital contributions, access to basic social protections such as healthcare and formal credit remains elusive for many of them.
With the government launching landmark programs like PM Jan Arogya Yojana and PM Swanidhi, there's a growing push to integrate gig workers into the formal economy. At Marketplace Company, we’ve built tech-driven support systems to bridge these gaps—empowering workers while helping businesses build a healthier, more secure workforce.
The Social Security Void in India’s Gig Economy
While flexibility is a selling point of gig work, it often comes at the cost of social safety nets. Many gig workers, especially in tier-1 cities like Pune and Hyderabad, do not have access to employer-provided health insurance, emergency medical funds, or affordable loans.
As a result, even a minor accident or medical emergency can lead to days of lost income—and long-term financial distress. That’s why integrating public welfare schemes with platform-based solutions is not just desirable—it’s essential.
PM Jan Arogya Yojana: Unlocking Access to Healthcare
The PM Jan Arogya Yojana (PMJAY)—India’s flagship public health insurance scheme—has already impacted millions. However, many gig workers are still unaware of their eligibility or face challenges in navigating the registration and claims process.
That’s where our platform steps in.
We help gig workers:
- Check eligibility automatically via Aadhaar-based tools
- Complete digital registration in vernacular languages
- Navigate claims via app-based support
- Access verified hospital networks near their gig zones
By integrating healthcare support for gig workers into our onboarding process, we ensure that workers in cities like Pune know their options—and can act before a crisis strikes.
PM Swanidhi: Credit for the Unbanked
The PM Street Vendor’s AtmaNirbhar Nidhi (PM Swanidhi) is another initiative that offers collateral-free loans to informal workers, including many gig workers. But limited financial literacy and digital barriers have prevented its full uptake.
Our fintech collaborations enable:
- Seamless documentation uploads
- Loan tracking dashboards
- Weekly financial literacy messages
- Real-time loan eligibility checks using gig work data
With most gig workers lacking a formal credit history, our verified work records help them build digital credibility—opening doors to institutional finance.
The Hyderabad Advantage: Building a Digitally Included Workforce
Hyderabad, a booming tech city, has thousands of gig workers operating in delivery, mobility, and home services. Yet, a large percentage of them are still outside the formal banking and insurance ecosystems.
Through our app, we help:
- Create digital wallets and link them with bank accounts
- Provide income summaries for loan applications
- Deliver monthly insights on spending and saving
Our goal is simple: make every gig worker in Hyderabad financially visible, stable, and future-ready.
Hyderabad gig worker financial inclusion
Pune’s Healthcare Reality: Making Coverage Practical
Despite high awareness of health issues, many gig workers in Pune avoid visiting clinics due to cost or loss of work hours. That’s why we’ve launched teleconsultation access, 24/7 health hotlines, and subsidized diagnostics in partnership with local providers.
These tools help workers:
- Get medical advice instantly
- Avoid expensive hospital visits for basic issues
- Manage chronic conditions like diabetes or hypertension
With city-specific partnerships, we bring gig worker health access in Pune directly to gig workers—reducing downtime and boosting productivity.
Benefits for Businesses: Why It Pays to Care
You may ask: why should businesses that contract gig labor invest in their health and financial inclusion?
Here’s why:
- Higher productivity: Healthy workers deliver better service
- Lower churn: Financial security reduces attrition
- Compliance readiness: Future social protection laws may mandate support
- Brand reputation: Customers care about ethical sourcing—even in labor
Partnering with us gives your company access to dashboards, impact reports, and direct engagement tools to track worker wellness.
Our Platform in Action
Here’s a snapshot of what we offer through Marketplace Company:
- Onboarding + Benefit Awareness: Workers are informed about available public schemes, insurance, and loan options.
- Auto Enrollments: We help streamline registration in PMJAY and PM Swanidhi during onboarding.
- Real-Time Access: Integrated health and finance modules built into the work dashboard.
- Employer Tools: B2B partners can fund premiums, co-create wellness programs, and measure ROI.
Platform-based social protection
Looking Ahead: The Future of Equitable Gig Work
Healthcare and financial access should not be a privilege—it should be the foundation of dignified work. With India’s gig economy projected to reach 23.5 million workers by 2030, it’s crucial that platforms, policymakers, and businesses come together.
Our mission is to lead this change—not only in Pune and Hyderabad but across India’s growing cities. Together, we can shape a healthier, more inclusive gig workforce in India—one partnership at a time.
Final Thoughts
Supporting gig workers access to healthcare and finance is no longer optional—it’s a business imperative and a moral responsibility. At Marketplace Company, we’re proud to be building the tech infrastructure and partnerships that enable real impact.
Let’s build the future of gig work together—one worker, one solution, one city at a time.
Partner with us