Tip Based Microinsurance

Insuring the Invisible: Tip-Based Microinsurance for Gig Workers” explores a groundbreaking model where personal accident insurance is funded through customer tips on delivery apps. This usage-based system offers real-time coverage for each ride, powered by platform data, AI-driven pricing, and actuarial science. The video follows the journey of a gig worker, revealing the vulnerability of millions like her and presenting a scalable, ethical solution that blends tradition with technology — giving dignity, protection, and peace of mind to the invisible workforce behind the gig economy.