In a significant boost to India’s gig-economy safety net, insurance-tech start-up Covrzy has inked a long-term agreement with open-mobility platform Namma Yatri to make low-cost health insurance available to thousands of the app’s driver-captains and their families. The partnership goes live first in Bengaluru and will eventually span every city in which Namma Yatri operates.
A driver-first approach to embedded cover
Namma Yatri, developed by Juspay and famed for its zero-commission, driver-owned business model, already positions itself as a people-first alternative to traditional ride-hailing apps. Covrzy’s API-driven insurance stack slots neatly into that philosophy, embedding discovery, comparison and one-tap purchase journeys directly inside the driver dashboard.
Once live, a driver can scroll through curated policies from top insurers, check premium and hospital-network details, pay digitally and receive an instant e-policy—no paperwork, no broker calls. The same in-app window lets them view cashless hospitals, download documents, track renewals and even file claims, making what is often a confusing process as simple as booking a ride.
Piloting in Bengaluru, racing toward 50 K lives covered
The roll-out starts with a target group of 3,000 drivers in Bengaluru over the next few months. If traction meets expectations, Covrzy and Namma Yatri will extend the programme to more than 50,000 drivers in 12-18 months, covering current strongholds such as Kolkata, Chennai and Kochi and at least ten additional tier-1 and tier-2 cities.
What the plans include
Drivers can opt for hospitalisation cover of up to ₹3 lakh, cashless treatment at 10,000-plus network hospitals, OPD wellness support and more. Family-floater options are being finalised so that spouses and children receive the same financial shield.
Founders’ perspective
“Millions of drivers form the backbone of India’s mobility ecosystem, yet most remain uninsured or under-insured,” said Ankit Kamra, founder of Covrzy. “Embedding affordable health cover directly inside Namma Yatri’s app is our way of fixing that gap through a completely frictionless digital journey.”
For Shan M S, co-founder of Namma Yatri, the integration reinforces the platform’s driver-centric DNA: “Truly people-first mobility starts with empowering our driver-captains. Covrzy’s solution lets us give them and their families meaningful protection in just a few taps.”
Driving adoption on the ground
To ensure drivers understand and use the new benefit, the partners will run awareness drives at auto stands, set up help-desks staffed by community volunteers and release multilingual video explainers and FAQs inside the app. These touchpoints are designed to demystify insurance for a workforce that typically navigates long hours, low margins and limited free time.
Why it matters
India’s ride-hailing sector employs a vast informal workforce that often lacks basic social security. By turning a smartphone already used to earn income into a gateway for health cover, Covrzy and Namma Yatri aim to shift the conversation from piecemeal gig-work welfare to integrated financial protection. If the pilot hits its numbers, the model could become a template for other gig-economy platforms chasing both scale and social impact.