This protection replaces a portion of income if you are hospitalized due to a medical emergency.
The payment is governed by the terms of this membership


Terms with special meanings are defined. See the Definitions section of this Certificate.
Other terms with special meanings are defined where they are used.


1. Benefit Provisions

1.1  How Payments Start For Hospitalization Protection

To start getting payments from this membership, you must meet all of the conditions listed below, as well as elsewhere in this Certificate:


1.2  When Payments Start For Hospitalization Protection

Your benefits from this Certificate will start on the latest of the dates shown below:


1.3  When Payments End For Hospitalization Protection

Your benefits from this Certificate will end on the earliest of the dates shown below:


1.4  Daily Benefits For Hospitalization Protection

Your daily benefits are 80% of your Daily Income across all the platforms you have on file


1.5  You will not receive payment for hospitalization protection if:


1.6  Case, where the died during the hospitalization, income replacement will only include days up to the day of death if death occurs within the payout window.


2. Payout Provisions

You must request a payout through the Kover web portal. You cannot request a payout through email or text.


2.1  Proof of qualification

You must link all accounts you work with, such as Uber, Lyft, UberEats, Postmates, Instacart, DoorDash, Wonolo, Amazon Flex, Grubhub, Shipt, Deliv, or Caviar at the time of enrollment on the Kover website. 


2.2  Proof for hospitalization protection

You must provide the following information to receive payment:



3. Other Exclusions

Aside from the exclusions stated in other sections of the certificate, your request will not be paid in any of the following events:


4. Concealment or Fraud

If you or anyone acting on your behalf has intentionally concealed or misrepresented any information or circumstance that you had a responsibility to disclose, or engaged in any fraudulent conduct, or made any false statements relating to this membership:  

and in either case:


5. Right to Termination

Kover reserves the right to terminate any member’s account if the user does not follow user guidelines.





1. Hospitalization

A member must be an inpatient to be considered hospitalized. Inpatient care is the care of patients whose condition requires admission to a hospital for an overnight stay in the hospital. Note that just going to the Emergency Room does not mean you are being hospitalized.


2. Membership start date

Membership start date is the date your membership turns active and you receive your activation email. 


3. Daily Income

Daily Income is the average income you earned over the 30-day period that you make the most month in the last 90 days. If you have less than 30 days of data, then the daily income is the average income you earned over the period that you work for the platform.


4. Maximum Days of Payout

Maximum days of payout is the maximum days you selected during the enrollment process.


5. Member

Member is defined as one individual named on the membership. The membership cannot be shared with or transferred to another individual.