SYS_SHIELDFinTech_&_InsurTechDEPLOYED

ShieldRoute

SYSTEM_OVERVIEW

ShieldRoute is an AI-powered parametric microinsurance platform built for gig delivery workers in India. Instead of claim forms and assessors, it uses real-world data triggers — heavy rain, extreme heat, pollution, platform outages, civil disruption — to automatically disburse payouts within seconds. Built for the Guidewire DEVTrails 2026 Hackathon, it covers 8 Mumbai micro-zones with hyper-local risk pricing.

KEY_FEATURES

01Five parametric triggers: rain, heat, pollution, platform outage, civil disruption

02Hyper-local pricing across 8 Mumbai micro-zones

03Auto-disbursement in seconds — no claim forms

04Three coverage plans (₹49–₹249/week)

05Admin dashboard with fraud detection and P&L analytics

06Real-time alerts via WhatsApp and push notifications

AUTOMATION_PIPELINE

Rider enrolls in weekly plan

Real-time trigger sensors monitor conditions

Threshold crossed → auto-payout triggered

Razorpay disburses to rider wallet