VITA INSURATECH — Zero-Touch Parametric Insurance for India's Gig Workers

#ai #machinelearning #showdev #startup

A Swiggy delivery partner in Koramangala. Heavy rain. No orders, no income, no safety net.
External disruptions cost gig workers 20–30% of monthly earnings — with zero protection. We built VITA INSURATECH at Guidewire DEVTrails 2026 to fix that. Zero-touch parametric insurance that auto-detects disruptions and pays workers instantly. No claims. No paperwork.
Why Parametric?
Traditional insurance is inaccessible for someone earning ₹600–800/day. Parametric flips it — rainfall crosses a threshold, payout is automatic.
6-Layer Fraud Pipeline
Every claim passes through: Zone Match → Sub-Zone Overlap → One-Class SVM → DBSCAN Rings → Sensor Fusion → Work Activity Validation. Final decision by an XGBoost classifier.
Dual-source weather (OpenWeather + IMD) + ARCE catches zone anomalies and raises proof thresholds automatically. Reserve buffer sits at 3.2x weekly claims, sustained by liquid mutual fund float returns. Premiums range ₹29–₹59/week with payouts up to ₹2,500 — priced by zone risk, recalculated weekly.
🔗 Live demo: https://vitainsuratech-zrjj.vercel.app/
GitHub: https://github.com/vk130225/VITA-INSURATECH
Demo video: https://www.youtube.com/watch?v=ZekeveiLY98
Ranked #21 of 1,781 teams — Diamond Tier ✨
India has 15M+ gig workers. One bad weather day away from financial stress. The infrastructure exists. We connected the dots.
Built with ❤️ by Viswa, Eshaan & Anwita — Guidewire DEVTrails 2026.