Flash flood detected — Hadapsar zone (52mm rainfall)
Your delivery zone has crossed the 45mm threshold. Payout of
₹810 is being processed automatically. No action needed.
Weekly Income Protected
₹3,000
↑ Moderate tier active
This Week's Premium
₹49
Auto-debited Monday
Earnings Protected YTD
₹4,260
↑ 6 payouts this year
Next Payout (pending)
₹810
Processing now...
Active Policy
Weekly Income Shield
Valid: Mar 17 – Mar 23, 2026
Weekly coverage used
₹810 / ₹3,000
Tier
🟡 Moderate Risk
Premium
₹49 / week
Zone
Hadapsar, Pune
Platform
Amazon Flex
Zone Risk Map
⚠ Flood zone active
Hadapsar · 5km polygon
Recent Payout History
| Date | Trigger | Zone | Block Rate | Severity | Payout | Status |
|---|---|---|---|---|---|---|
| Mar 20, 2026 | 🌧️ Flash Flood | Hadapsar, Pune | ₹900 | 90% | ₹810 | Processing |
| Feb 14, 2026 | 🌫️ Severe AQI | Shivaji Nagar, Pune | ₹850 | 55% | ₹467 | Paid |
| Jan 28, 2026 | 🚧 Bandh | Hadapsar, Pune | ₹900 | 100% | ₹900 | Paid |
| Jan 03, 2026 | 🌡️ Extreme Heat | Kothrud, Pune | ₹820 | 60% | ₹492 | Paid |
| Dec 12, 2025 | 🏭 Hub Closure ★ | Bhiwandi Hub | ₹950 | 100% | ₹950 | Paid |
CURRENT PLAN
Active
🟡 Moderate Risk
₹49/week
Covers up to ₹3,000 per week
~1.4% of your weekly income
LOW RISK PLAN
🟢 Low Risk
₹29/week
Covers up to ₹1,800 per week
~1.1% of income
HIGH RISK PLAN
🔴 High Risk
₹79/week
Covers up to ₹5,000 per week
~1.8% of income
Premium Calculation Breakdown
| Factor | Value | Weight | Impact |
|---|---|---|---|
| Zone flood risk score | Moderate (6.2 / 10) | 30% | +₹8.40 |
| Seasonal multiplier (Mar) | Pre-monsoon 1.1× | 20% | +₹4.20 |
| Hub disruption history | 2 closures / 90 days | 20% | +₹5.60 |
| Worker tenure bonus | 8 months — loyal | 15% | –₹3.50 |
| Block confirmation rate | 94% (high) | 15% | –₹2.70 |
| Final Weekly Premium | ₹49.00 | ||
Total Paid (2025–26)
₹4,260
6 successful payouts
Avg Payout Amount
₹710
Per disruption event
Avg Payout Time
16 min
↓ Below 20 min target
Fraud Flags
0
Clean claim record
All Payouts
| Date | Trigger | Disruption | Formula | Amount | UPI Ref | Time | Status |
|---|---|---|---|---|---|---|---|
| Mar 20, 2026 | 🌧️ Flood | 52mm rain · 90% | ₹900 × 90% × 1.0 | ₹810 | — | — | Processing |
| Feb 14, 2026 | 🌫️ AQI | AQI 381 · 55% | ₹850 × 55% × 1.0 | ₹467 | UPI2402143891 | 14 min | Paid |
| Jan 28, 2026 | 🚧 Bandh | Mobility 12% · 100% | ₹900 × 100% × 1.0 | ₹900 | UPI2401289234 | 19 min | Paid |
| Jan 03, 2026 | 🌡️ Heat | 45°C advisory · 60% | ₹820 × 60% × 1.0 | ₹492 | UPI2401039812 | 17 min | Paid |
| Dec 12, 2025 | 🏭 Hub ★ | Hub closed 6hrs · 100% | ₹950 × 100% × 1.0 | ₹950 | UPI2512127641 | 12 min | Paid |
| Nov 08, 2025 | 🌧️ Flood | 63mm rain · 100% | ₹880 × 100% × 1.0 | ₹641 | UPI2511088823 | 20 min | Paid |
Trigger #1 currently firing — Flash Flood · Hadapsar, Pune
Rainfall at 52mm exceeds 45mm threshold. 3 workers affected. Payouts initiated automatically.
Simulate Disruption Event
₹500
₹900
₹1,200
30%
90%
100%
Calculated Payout
₹810
₹900 × 90% × 1.0 = ₹810
Payout Pipeline — Live
Trigger threshold detected by API
T+0:00
Zone polygon validated (5km radius)
T+0:08
Block confirmation checked via Platform API
T+0:15
GPS location cross-validated
T+0:22
Fraud engine — Isolation Forest scoring
T+0:38
Payout amount calculated
T+0:55
Razorpay UPI transfer initiated
T+1:10
WhatsApp notification sent to worker
T+18:00
Claims This Week
47
↑ Flood event triggered
Auto-Approved
44
93.6% pass rate
Flagged for Review
3
Pending manual check
Rejected (Fraud)
0
Clean week
Fraud Review Queue — 3 Flagged Claims
| Worker ID | Trigger | Flag Reason | Fraud Score | SHAP Factor | Claim Amt | Action |
|---|---|---|---|---|---|---|
| WRK-8821 | 🌧️ Flood | GPS mismatch | 0.71 | Location 12.3km from zone | ₹900 | |
| WRK-3392 | 🌧️ Flood | Velocity abuse | 0.88 | 3rd claim in 7 days | ₹850 | |
| WRK-5517 | 🌧️ Flood | Unconfirmed block | 0.62 | Block not confirmed on platform | ₹780 |
SHAP Explainability — Fraud Score Breakdown (WRK-8821)
GPS zone deviation (12.3km)+0.42
Block confirmation rate (86%)+0.18
Device fingerprint (unique)–0.12
Claim history (1st claim)–0.08
Final Fraud Score
0.71 — Review Required
Active Policies
1,284
↑ +142 this week
Premiums Collected
₹62,916
This week
Claims Paid Out
₹38,420
This week
Loss Ratio
61%
↓ Healthy (target <75%)
Trigger Distribution — Last 30 Days
🌧️ Flash Flood / Rain38 events · ₹18,240
🌡️ Extreme Heat12 events · ₹5,640
🌫️ Severe AQI8 events · ₹3,120
🚧 Curfew / Bandh5 events · ₹6,200
🏭 Hub Closure ★3 events · ₹5,220
7-Day Disruption Forecast (Prophet Model)
Mumbai — Bhandup
Flood risk · Pre-monsoon
82% risk
Mar 22–24
Delhi — Okhla
AQI + Heat combined
64% risk
Mar 21–23
Bengaluru — Whitefield
Hub disruption predicted
48% risk
Mar 25–26
Pune — Hadapsar
Ongoing flood event
Active
Now
Premium Tier Distribution — 1,284 Active Policies
| Tier | Policies | Weekly Premium | Total Collected | Avg Payout | Loss Ratio |
|---|---|---|---|---|---|
| 🟢 Low Risk | 428 | ₹29 | ₹12,412 | ₹380 | 42% |
| 🟡 Moderate | 612 | ₹49 | ₹29,988 | ₹680 | 58% |
| 🔴 High Risk | 244 | ₹79 | ₹19,276 | ₹1,120 | 73% |
| Total | 1,284 | — | ₹61,676 | ₹710 | 61% |