BenefitPort

The Problem

Malaysia's Gig Workers Act 2025 mandates EPF, PERKESO, and insurance coverage for 1.1M+ gig workers — but the implementation is a mess. Grab, Foodpanda, and Lalamove each offer different benefit packages with different coverage terms, waiting periods, and claim processes. Freelancers on Fiverr/Upwork get zero coverage. Gig workers can't compare benefits across platforms, don't understand what they're covered for, and struggle to file claims. 85% of gig workers don't know their SOCSO coverage details. When accidents happen (and they do — delivery riders have 3x the national accident rate), workers discover gaps too late.

The Solution

BenefitPort is a unified gig worker benefits dashboard and insurance marketplace. Connect your gig platform accounts → see all your benefits in one place: EPF contributions, PERKESO coverage, platform insurance, and gaps. 'Coverage Score' shows how protected you really are (0-100). One-click purchase to fill gaps: personal accident (RM5/mo), hospitalization (RM15/mo), income protection (RM25/mo), equipment insurance (RM8/mo). Claim assistant: AI-guided claim filing with document auto-generation. Free basic dashboard. Premium RM9.90/mo: gap analysis + claim assistant + annual benefits review.

Target Market

1.1M registered gig workers + 800K freelance knowledge workers in Malaysia

Revenue Model

Freemium: Free (benefits dashboard + basic coverage view). Premium RM9.90/mo (gap analysis, claim assistant, annual review). Insurance commission: 15-25% per policy sold through the marketplace.

4-Week Validation Plan

• Week1: Interview 20 gig workers (Grab, Foodpanda, Lalamove, freelancers) about their understanding of current benefits and coverage gaps.
• Week2: Build benefits dashboard prototype aggregating EPF + PERKESO + platform insurance data via API/statement parsing.
• Week3: Recruit 50 gig workers for beta. Compare their perceived vs actual coverage. Measure gap-fill insurance purchases.
• Week4: Analyze: >30% of users discover a significant coverage gap AND >15% purchase gap insurance = commit; <10% purchase = pivot to benefits education content.