{"id":6539,"date":"2023-03-30T10:57:25","date_gmt":"2023-03-30T10:57:25","guid":{"rendered":"http:\/\/13.232.23.69\/?p=6539"},"modified":"2024-07-06T07:45:14","modified_gmt":"2024-07-06T07:45:14","slug":"importance-of-health-insurance-for-gig-workers","status":"publish","type":"post","link":"https:\/\/www.tankhapay.com\/blog\/importance-of-health-insurance-for-gig-workers\/","title":{"rendered":"Importance of Health Insurance for Gig workers"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_78 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.tankhapay.com\/blog\/importance-of-health-insurance-for-gig-workers\/#An_Overview_About_the_Gig_Economy\" >An Overview About the Gig Economy<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.tankhapay.com\/blog\/importance-of-health-insurance-for-gig-workers\/#Types_of_Gig_Workers\" >Types of Gig Workers<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.tankhapay.com\/blog\/importance-of-health-insurance-for-gig-workers\/#The_Gig_Economy_in_India\" >The Gig Economy in India<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.tankhapay.com\/blog\/importance-of-health-insurance-for-gig-workers\/#The_Benefits_and_Challenges_of_Gig_Work\" >The Benefits and Challenges of Gig Work<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.tankhapay.com\/blog\/importance-of-health-insurance-for-gig-workers\/#Importance_of_Health_Insurance_for_Gig_Workers\" >Importance of Health Insurance for Gig Workers<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.tankhapay.com\/blog\/importance-of-health-insurance-for-gig-workers\/#Offers_a_Much-Needed_Safety_Net\" >Offers a Much-Needed Safety Net<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.tankhapay.com\/blog\/importance-of-health-insurance-for-gig-workers\/#Protect_Their_Health_and_Well-Being_with_Access_to_Timely_Healthcare\" >Protect Their Health and Well-Being with Access to Timely Healthcare<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.tankhapay.com\/blog\/importance-of-health-insurance-for-gig-workers\/#Reduced_Out-of-Pocket_Expenses_and_Greater_Savings\" >Reduced Out-of-Pocket Expenses and Greater Savings<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.tankhapay.com\/blog\/importance-of-health-insurance-for-gig-workers\/#Financial_Security\" >Financial Security<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.tankhapay.com\/blog\/importance-of-health-insurance-for-gig-workers\/#Disablement_Survivorship_Benefits_That_Protect_Them_and_Their_Families\" >Disablement &amp; Survivorship Benefits That Protect Them and Their Families<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.tankhapay.com\/blog\/importance-of-health-insurance-for-gig-workers\/#Brings_Equity_in_Healthcare_Access\" >Brings Equity in Healthcare Access<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.tankhapay.com\/blog\/importance-of-health-insurance-for-gig-workers\/#Security_In_the_Face_of_Rising_Medical_Inflation\" >Security In the Face of Rising Medical Inflation<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.tankhapay.com\/blog\/importance-of-health-insurance-for-gig-workers\/#Benefits_For_Employers\" >Benefits For Employers<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.tankhapay.com\/blog\/importance-of-health-insurance-for-gig-workers\/#Some_Real-Life_Incidents\" >Some Real-Life Incidents<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.tankhapay.com\/blog\/importance-of-health-insurance-for-gig-workers\/#The_Way_Forward\" >The Way Forward<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p>The Covid-19 pandemic has shone a harsh light on the poor accessibility and affordability of preventive and curative medical care for a vast section of the global population. It has also highlighted how useful health insurance is\/ could have been to a vast majority of the population in India and the globe.<\/p>\n<p>Healthcare is expensive, often with prohibitively high costs that can push people into poverty. In fact, <strong>one-third<\/strong> of the global population don\u2019t have access to even essential health services. More than a billion people spend at least 10% of their household budget on out-of-pocket medical expenditure. Half a billion people are either pushed or pushed deeper into extreme poverty owing to their medical bills paid out of pocket.<\/p>\n<p>Health insurance provides financial protection for individuals and families against the high cost of medical care. It is particularly more critical to the fast-growing base of gig workers. Why is it so? Keep reading to find out.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"An_Overview_About_the_Gig_Economy\"><\/span>An Overview About the Gig Economy<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The gig economy refers to a labour market in which temporary, short-term, or freelance positions are prevalent, rather than permanent jobs. Gig workers are individuals who work in short-term or freelance positions, typically in the gig economy. They are employed transactionally by employers which include small business, tech-enabled businesses, corporates, etc. Gig workers typically work for multiple clients or companies on a project-by-project basis, and their work is often facilitated through digital platforms or mobile apps.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Types_of_Gig_Workers\"><\/span>Types of Gig Workers<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Gig workers are typically categorized based on the level of skills needed into\u00a0<\/strong><\/p>\n<ul>\n<li>High-skilled workers with specialized skills and knowledge in a particular field such as freelancers, consultants, independent contractors, etc. in software development, graphic design, accounting and so on.<\/li>\n<li>Semi-skilled workers who have some level of training or education but may not have specialized skills. They typically work in industries such as retail, food service, and hospitality. For instance, telecallers, LIC agents, etc.<\/li>\n<li>Unskilled or low-skilled workers who do not have specialized skills or training and work in low-wage jobs such as driving for ride-sharing companies, delivering food or packages, or performing manual labour tasks.<\/li>\n<\/ul>\n<p><strong>In India, 47% of gig workers have medium skill level, 31% have low skill level and 22% have specialized skills.\u00a0<\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"The_Gig_Economy_in_India\"><\/span>The Gig Economy in India<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The gig economy is growing at an accelerated pace, in India and the world. India approximately has <strong>15 million<\/strong> gig workers at present. Currently generating <strong>56%<\/strong> of India\u2019s new non-farm employment, the gig economy holds the potential to add <strong>90 million<\/strong> more jobs over the next 8-10 years and an additional 1.25% to the GDP over the long run.<\/p>\n<p>Gig work isn\u2019t a new concept in India where <strong>93%<\/strong> of the workforce is in informal employment. However, it has definitely gained momentum with the accelerated pace of digital transformation, globalization and urbanization. These have created an upsurge in the demand for and the success of e-commerce and app-based technology platforms. Given the flexibility, convenience and comfort offered by these apps and platforms, we are seeing a marked shift in consumer behaviour in their favour.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"The_Benefits_and_Challenges_of_Gig_Work\"><\/span>The Benefits and Challenges of Gig Work<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>For employees, it offers flexibility and freedom to take up multiple hustles and maximize their earnings, without being tied to a single employer. They are able to more easily find gigs owing to the increasing demand and changing employment models.<\/p>\n<p>Owing to the success of tech-enabled platforms, there is also a growing demand for gig workers among employers, especially in the startup and tech-platform sectors. Plus, this new employment model is favourable to employers too as they can engage in flexi-hiring, fill their talent gaps more seamlessly, adjust headcounts as per need, access niche skills without hiring full-time specialists and much more.<\/p>\n<p>All the positives aside, one of the biggest concerns regarding the shift towards and the growth of the gig economy is the lack of basic rights and social security benefits. In India, <strong>95.3%<\/strong> of gig workers don\u2019t have access to any social security benefits, be it \u2013 health insurance, retirement benefits, disablement benefits, maternity benefits and so on. The lack of healthcare insurance and medical benefits is particularly concerning.<\/p>\n<p><strong>The other major challenges faced by gig workers include:\u00a0<\/strong><\/p>\n<ul>\n<li>The lack of a steady source of income since their services are mostly employed on-demand.<\/li>\n<li>They are outside the purview of most legislations. So, they do not have any legal respite.<\/li>\n<li>They are often termed as partners by corporate employers instead of workers. So, they are not entitled to any social security or other benefits.<\/li>\n<li>They do not have any safety net or protection in case of emergencies, natural disasters or other socio-economic eventualities.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Importance_of_Health_Insurance_for_Gig_Workers\"><\/span>Importance of Health Insurance for Gig Workers<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Offers_a_Much-Needed_Safety_Net\"><\/span>Offers a Much-Needed Safety Net<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Health insurance is a type of insurance policy that provides coverage for medical and surgical expenses incurred by an individual or a group. Health insurance policies can be purchased by individuals, families, or employers to help pay for the cost of healthcare services, such as doctor visits, hospital stays, prescription drugs, and medical tests.<\/p>\n<p>Health insurance policies vary in their coverage levels and cost, and may be provided by private insurance companies, government-sponsored programs, or a combination of both. Often, employers provide health insurance to their formal employees as an employee benefit, whether or not they are mandated by law.<\/p>\n<p>Self-employed individuals, however, need to purchase health insurance coverage for themselves and their families, as they do not have access to employer-sponsored health insurance. Self-employed health insurance can be purchased through insurance agents, brokers or through online insure-tech platforms.<\/p>\n<p>Most health plans require individuals to pay a premium, which is a regular payment made to the insurance company, in exchange for coverage. Some policies also require a deductible, which is an amount that the policyholder must pay before the insurance company begins covering medical expenses. The specific terms and conditions of a health insurance policy will depend on the type of policy and the insurance provider.<\/p>\n<p>Health insurance offers a much-needed safety net to gig workers and their families as they can access good quality, cash-free medical care. Even when the policy does not provide cash-free benefits, they will still be reimbursed for the medical expenses through the claims process. This way, they will not fall into a debt trap and will have a reliable source of savings for their health expenses.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Protect_Their_Health_and_Well-Being_with_Access_to_Timely_Healthcare\"><\/span>Protect Their Health and Well-Being with Access to Timely Healthcare<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Medical expenses can add up quickly, especially in cases of serious illness or injury. For example, the cost of hospitalization, surgery, medication, rehabilitation and other treatments can easily reach several thousands and lakhs for gig workers who are required to engage in heavy physical labour. Without health insurance, individuals may be unable to afford necessary medical care or may go into debt trying to pay for it.<\/p>\n<p>Additionally, health insurance can help gig workers access preventive care and early treatment, which can help detect and manage health conditions before they become more serious and expensive to treat. Overall, this helps\u00a0 to improve health outcomes in the long-run and ensure a healthier population.<\/p>\n<p>Schemes like the ESI in India also provide comprehensive maternity benefits to women. The scheme offers benefits not just to biological mothers, but adoptive mothers, women who have pregnancy complications, miscarriages, etc. The instances of maternal and infant mortality will reduce as women get access to safe deliveries and pre- and post-natal care.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Reduced_Out-of-Pocket_Expenses_and_Greater_Savings\"><\/span>Reduced Out-of-Pocket Expenses and Greater Savings<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Health insurance reduces the out-of-pocket expenses for gig workers and enables them to save more, diverting their income into other important activities and needs such as house repairs, children\u2019s education, skill training, etc.<\/p>\n<p>Some health insurance policies like the ESI scheme offer access to cash-free medical aid without an upper limit on expenditure at ESI clinics\/ hospitals along with a host of other benefits. Such policies will enable gig workers, especially those with meagre means and who are vulnerable to falling into poverty, to access healthcare in a timely fashion, without having to bother about arranging finances or accessing low-quality health providers.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Financial_Security\"><\/span>Financial Security<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Gig workers, especially those in low-skill, low-income jobs, are faced with financial insecurity as they don\u2019t have a regular source of income. They earn as long as there is demand for their services and they are able to show up for work. If they want to earn more, they need to spend more hours or take on multiple hustles. Further, they are vulnerable to economic fluctuations especially during events like the pandemic or a natural disaster.<\/p>\n<p>As a result, they may not be able to pay out-of-pocket for medical aid if they lose a job or can\u2019t find enough work. These types of workers may be exposed to different risks in their line of work, making it all the more important to have a safety net in place.<\/p>\n<p>Health insurance covers the cost of expensive medical treatments and protects against the financial burden of illness or injury. In the absence of regular income, health benefits and insurance can help cover medical expenses for themselves and their dependents, which can often consume a significant portion of their savings.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Disablement_Survivorship_Benefits_That_Protect_Them_and_Their_Families\"><\/span>Disablement &amp; Survivorship Benefits That Protect Them and Their Families<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Gig workers face a high risk of disablement, injuries and occupational diseases owing to the nature of their work. For instance, drivers, delivery workers, etc. work long hours (sometimes 16-20 hours) without rest, proper nourishment and inhumane conditions, engaging in heavy manual labour. This causes a higher risk of accidents, ill health and diseases like liver issues, constipation, neck and back pain, wrist pain, fatigue and so on.<\/p>\n<p>Without health insurance, their families will be pushed\/ pushed deeper into extreme poverty. Health plans such as the government-initiated ESI scheme provide not just comprehensive health cover to workers and their families, but also provide disablement benefits (including compensation, skill training and rehabilitation), survivorship benefits (including monthly pensions to dependents and funeral expenses), confinement benefits and much more. This is important for low- and medium-skill gig workers who are at a higher risk of occupational diseases and injuries.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Brings_Equity_in_Healthcare_Access\"><\/span>Brings Equity in Healthcare Access<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>As we had mentioned in one of the previous sections, over 95% of gig workers in India don\u2019t have access to any social security benefits. By providing access to health insurance, employers can ensure equitable access to healthcare to all.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Security_In_the_Face_of_Rising_Medical_Inflation\"><\/span>Security In the Face of Rising Medical Inflation<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Medical inflation is a reality and gig workers may not be able to afford medical treatments in the face of rising medical costs. With health insurance, gig workers and their families can still access quality healthcare including expensive treatments, medications, imaging, etc. Government health plans such as the ESI scheme make medical care accessible and affordable to vast sections to the population.<\/p>\n<p><em><strong>Click Here For : <a href=\"https:\/\/www.tankhapay.com\/blog\/what-is-health-insurance\/\">What Is health Insurance<\/a><\/strong><\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Benefits_For_Employers\"><\/span>Benefits For Employers<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Providing healthcare benefits to gig workers brings several benefits to employers including:<\/p>\n<ul>\n<li>Improved productivity and output<\/li>\n<li>Lower absenteeism<\/li>\n<li>Greater loyalty<\/li>\n<li>Nurturing trusting, long-term relationships with workers<\/li>\n<li>Lower attrition and better retention<\/li>\n<li>Ability to attract talented workers and much more.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Some_Real-Life_Incidents\"><\/span>Some Real-Life Incidents<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>A simple online search would reveal several real-life incidents of how food delivery partners and drivers for tech-enabled platforms suffered during the pandemic. Despite the risk of infections, they were forced to work to make ends meet as they were sole or primary breadwinners of their families. Being exposed to the Covid infection, several of them lost their lives. Their families with several dependents were left to fend for themselves with no source of income. With health insurance, these families would have had access to timely medical care, insurance and survivorship benefits.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"The_Way_Forward\"><\/span>The Way Forward<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Health insurance makes quality, timely healthcare accessible to everyone. It is particularly important for gig workers as they face a higher risk of workplace injuries and occupational diseases. Further, it will provide them with a sense of financial security especially in the face of rising medical costs.<\/p>\n<p>Given the criticality, how can you make health insurance accessible to gig workers?<\/p>\n<p>With the TankhaPay app, employers can make the comprehensive benefits of the Employees\u2019 State Insurance (ESI) Scheme accessible to all their gig workers. It will be a marginal addition to their costs but will offer multiplier benefits to employees and employers.<\/p>\n<p><strong>Download the app now and make quality medical care and other benefits accessible to your gig workers.<\/strong><br \/>\n<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.tankhapay.tankhapay\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"alignleft\" src=\"https:\/\/www.tankhapay.com\/blog\/wp-content\/uploads\/2023\/03\/googleplay-e1677916387659.png\" alt=\"\" width=\"150\" height=\"47\" \/><\/a>\u00a0 \u00a0 <a href=\"https:\/\/apps.apple.com\/in\/app\/tankhapay\/id6446194135\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"alignleft\" src=\"https:\/\/www.tankhapay.com\/blog\/wp-content\/uploads\/2023\/03\/appstore-300x92.png\" alt=\"\" width=\"150\" height=\"46\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"tmnf_excerpt\">The Covid-19 pandemic has shone a harsh light on the poor accessibility and affordability of preven\u2026<\/div>","protected":false},"author":1,"featured_media":6546,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[146],"tags":[],"class_list":["post-6539","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-employee-support"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.2 (Yoast SEO v26.5) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Importance of Health Insurance for Gig workers<\/title>\n<meta name=\"description\" content=\"Although being the sector of the workforce that is expanding at the quickest rate, gig workers in India have inconsistent income flow, and every unforeseen expense has the potential to upend their stability.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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