Introduction
Delivery partners working with Blinkit depend on daily deliveries to earn their income. However, their earnings are highly affected by external disruptions such as heavy rain, pollution, or extreme weather conditions.
During the DevTrails Guidewire Hackathon, our team is developing GigShield, a parametric insurance platform designed specifically to protect Blinkit delivery partners from income loss caused by such disruptions.
GigShield automatically detects disruptions using real-time environmental data and provides instant payouts without manual claims.
The Problem
Blinkit delivery partners rely on completing deliveries throughout the day. When severe weather conditions occur, deliveries slow down or stop completely.
Example scenario
- A Blinkit delivery partner normally earns ₹500 per day
- Heavy rainfall occurs in the city
- Orders reduce and deliveries stop for several hours
- The delivery partner loses income for that day
Currently, there is no automatic protection system that compensates workers for this loss.
Our Solution – GigShield
GigShield is a parametric micro-insurance platform built specifically for Blinkit delivery partners.
Instead of traditional insurance where workers must file claims manually, GigShield uses real-time weather data to automatically trigger compensation when disruptions occur.
How the system works
1.A Blinkit delivery partner registers on the platform
2.The system calculates a risk score based on environmental factors
3.The worker pays a small weekly premium (₹20–₹30)
4.The system continuously monitors weather conditions
5.If a disruption occurs, the claim is automatically triggered
6.The worker receives an instant payout notification
This approach is called parametric insurance, where claims are triggered automatically when predefined conditions are met.
Example System Flow (Demo Scenario)
Step 1 – Worker Signup
Example user:
Name: Ravi
Platform: Blinkit Delivery Partner
City: Chennai
Income: ₹500 per day
The worker registers through the mobile application or web interface.
Step 2 – Risk Score Calculation
The system evaluates environmental risks such as weather disruptions.
Example result:
Risk Score = 0.61 (Medium Risk)
Weekly Premium = Rs.24
Step 3 – Policy Activation
Once the premium is paid, the worker activates the policy.
Example coverage:
Daily payout coverage =Rs.350
Step 4 – Weather Monitoring
The platform continuously checks weather data using a Weather API.
Example:
Rainfall detected = 120 mm
Threshold level = 100 mm
Since the rainfall exceeds the threshold, the claim trigger condition is satisfied.
Step 5 – Automatic Claim Trigger
The system automatically calculates the worker’s lost working hours.
Example:
Lost working time = 3 hours
Hourly income = Rs.100
Estimated payout = Rs.300 – ₹350
Step 6 – Automatic Payout Notification
The worker’s dashboard displays:
Claim triggered automatically
Payout initiated = RS.350
The worker does not need to submit any claim request manually.
Platform Features
The system is designed to work across mobile and web interfaces so that Blinkit delivery partners can easily access their insurance information.
--Landing Page
The landing page explains the service and its benefits.
Headline:
Protect Your Blinkit Delivery Income from Weather Disruptions
Buttons:
Get Covered
Learn More
--Worker Onboarding
The onboarding process collects simple information from the worker.
Step 1
Name
City
Step 2
Delivery Zone
Daily Income
The system then calculates the worker’s premium automatically.
--Worker Dashboard
The dashboard allows workers to monitor their policy details.
Displayed information includes:
Policy details
Risk score
Coverage amount
Claim history
Weather alerts
Example alert:
Heavy rain detected in your zone
Claim automatically triggered.
--Claim Simulation (Hackathon Demo)
For demonstration purposes, the system includes a Simulate Rainfall feature.
When the button is clicked:
Rainfall value = 120 mm
If rainfall exceeds the threshold:
- A claim is automatically generated
- Payout is calculated
- The dashboard displays the claim status
Example dashboard entry:
Claim ID: CLM101
Payout: ₹350
Status: Approved
This simulation demonstrates how automatic parametric claims work for Blinkit delivery partners.
System Architecture
Tech Stack
Frontend
• Flutter – Mobile application for Blinkit delivery partners
• React.js – Web interface
• Tailwind CSS – UI styling for the web platform
Backend
•Python Flask – Backend server for handling application logic
APIs
• REST API – Communication between frontend and backend services
• Weather API – Provides rainfall and weather disruption data
Database
• SQLite – Used to store worker profiles, policy details, and claim records
Hackathon Focus
For the hackathon, we focused on building the most important functional components instead of a complex full system.
✔ Mobile application for workers
✔ Web interface for platform interaction
✔ Simple onboarding process
✔ Risk score calculation
✔ Automatic claim triggering
✔ Clear dashboard visualization
Team Members
This project is built during the DevTrails Guidewire Hackathon by:
Sujitha P
Shona B
Sharmishthaa R
Tarika P
Future Improvements
Future versions of GigShield could include:
• Pollution-based disruption monitoring
• Traffic restriction alerts
• AI-based risk prediction
• Real-time push notifications for workers
These improvements can help create a strong financial safety net for Blinkit delivery partners.
Conclusion
Blinkit delivery partners play a critical role in fast delivery services but remain vulnerable to environmental disruptions that affect their income.
GigShield introduces a smart parametric insurance solution that automatically protects workers from these losses.
By combining real-time weather monitoring, risk scoring, and automated claims, our platform ensures that Blinkit delivery partners receive financial support exactly when disruptions occur.
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