The notification arrives before he has to ask.
Resilio lives inside the delivery app riders already use — not a separate download, not a claim form. The heat advisory, the verification, the eligibility check and the payment all happen on the rider's behalf.
Extreme heat should not turn a safety decision into a financial penalty.
Deliveries continue. No trigger, no benefit, nothing changes.
An independent zone-level index verifies conditions have turned unsafe.
The rider stops. Protection activates on their behalf — no claim, no form.
Six steps, one direction, no rider action.
- 01Environmental signal
Zone-level heat data from an independent, insurer-approved index.
- 02Independent verification
The event is checked against the index; no rider report is required.
- 03Eligibility checks
Coverage, zone, recent activity, data completeness, duplicate check, seasonal cap.
- 04Tier selection
The highest applicable fixed tier only. No stacking within one event.
- 05Insurer authorisation
The licensed insurer authorises the benefit. The rider authorises nothing.
- 06Payment credited
Target 24 to 48 hours after validation, to the approved account.
The highest applicable tier only.
| Tier | Condition | Payout |
|---|---|---|
| Base | Zone-level base heat trigger | ₹250 |
| Severe | Zone-level severe heat trigger | ₹500 |
| Extreme | Zone-level extreme heat trigger | ₹750 |
| Seasonal cap | Per rider, across the coverage period | ₹2,000 |
Tiers do not stack for one event. Duplicate events are not paid twice. Incomplete records move to manual review, not automatic denial.
A simple screen sits in front of a validated process.
- Heat advisory
- Event verification
- Eligibility validated
- Benefit authorised
- Payment completed
One operating surface for authorised stakeholders.
The premium reconciles to the assumption.
| Working GST per rider | ₹126 |
| Indicative invoice per rider | ₹826 |
| Base premium pool, 10,000 riders | ₹70.00 lakh |
| Indicative insurance invoice | ₹82.60 lakh |
| Implementation and integration | Quoted separately |
GST is a working assumption subject to confirmation. Final trigger thresholds remain subject to historical calibration and insurer approval.
The insurer carries the risk. Marsh does not.
| Party | Does | Does not |
|---|---|---|
| Platform or approved sponsor |
|
|
| Licensed general insurer |
|
|
| Marsh |
|
|
| Enrolled rider |
|
|
Where the index and reality can disagree.
The index fires and the rider was genuinely affected. The mechanism works as designed.
The index fires zone-wide even where an individual rider's actual disruption was smaller — an accepted over-payment basis risk of a zone-level trigger.
Conditions were locally severe but the zone-level index did not fire — the under-payment basis risk the controlled pilot exists to measure.
The index does not fire and no material disruption occurred. No payment is due.
Every figure traces to a status.
| Source | What is verified | Status |
|---|---|---|
| Independent heat index | Zone-level trigger data | Verified input |
| Platform earnings data | ₹102 per logged-in hour, reasonableness only | Simulated demonstration |
| Delhi NCR historical back-test | Trigger calibration | Pending validation |
Indicative, non-binding, in full on one page.
- Risk carrier
- Licensed general insurer
- Broker and adviser
- Marsh
- Covered peril
- Extreme heat only
- Period
- March to June, Delhi NCR
Calibrate, structure, integrate, pilot, measure — then decide.
- 01Calibrate
Historical Delhi NCR back-test of the trigger design.
- 02Structure
Insurer quotation, approved policy wording, GST and funding confirmation.
- 03Integrate
Platform data, privacy and payment-rail agreements.
- 04Pilot
Ten thousand riders, one season, extreme heat only.
- 05Measure
Basis risk, payout timing and rider outcomes against the model.
PROCEED WITH CONTROLLED PILOT VALIDATION
Binding cover remains subject to historical calibration, final trigger approval, insurer quotation, approved policy wording, platform data agreement, legal and funding review, GST confirmation and implementation pricing. Binding cover has not commenced. No binding insurance approval is implied.