The safety of delivery workers in traffic is a priority for iFood. Recognizing the challenges faced by professionals in their daily work, the company offers a comprehensive personal insurance policy for free, providing greater support and peace of mind to delivery professionals and their families.
iFood has been offering free accident insurance to all its active partners since 2019. The insurance covers any incident occurring during a delivery route (from the moment of acceptance until route completion) and also on the way back home (the ‘return home’ coverage applies up to 30 km from the last delivery location; it is valid for motorcycles and cars up to 1 extra hour after the last delivery in the app, while for bicycles, it covers up to 2 extra hours after the last delivery).
Recently, the company announced expanded coverage for more severe cases, providing essential support during difficult times. In addition to compensation for severe cases, medical and hospital expenses are also covered.
Learn about the coverage:
Temporary injury (DITA)
If a delivery worker suffers an accident and needs to take leave for between seven and 30 days, they can receive compensation calculated based on their average earnings over the 30 days prior to the accident. The amount can reach up to R$1,500, with a minimum of R$300, and this coverage can be claimed every 90 days.
Permanent disability (IPA)
In cases of permanent disability, whether partial or total, caused by an accident during a delivery or on the way home, the delivery worker is entitled to compensation proportional to the degree of disability, with amounts up to R$60,000. In more severe cases, such as total loss of vision or limbs (both hands or feet, for example), verified by medical examination, the compensation amount can double, reaching R$120,000.
Medical and hospital expenses in accredited network
In case of accidents during a delivery or on the way home, delivery workers have access to medical care, hospitalization, physiotherapy, and exams at accredited clinics and laboratories. Coverage is up to R$15,000 and can be activated via WhatsApp. After approval, the appointment is scheduled directly with the delivery worker.
Reimbursement of medical, hospital, and dental expenses
For those who choose to undergo treatments or consultations outside the accredited network, the insurance offers reimbursement of up to R$15,000 for medical, dental, physiotherapy, medication, and exam expenses resulting from accidents during deliveries or on the way home.
For families
To ensure families of delivery workers are not left unprotected in cases of accidental death, iFood offers a range of coverage and emotional support to beneficiaries:
Accidental death
If a delivery worker dies as a result of an accident during a delivery or on the way home, beneficiaries receive compensation of R$120,000.
Funeral assistance
In addition to accidental death compensation, beneficiaries are entitled to an additional R$5,000 for funeral expenses, also applicable in accidents occurring during deliveries or on the return trip.
Support for children’s education
In case of accidental death of a delivery worker during a delivery or on the way home, children under 18 are entitled to financial assistance of R$10,000 each, aimed at supporting their education. The benefit can be requested by the family and aims to contribute to the continuity of their studies, offering more security for the dependents’ future.
Restart for families
Families of delivery workers who die due to accidents during deliveries or on the way home also receive emotional support and financial guidance through weekly meetings. Coordinated by DSOP, an organization specialized in financial education, the sessions cover topics from family budget planning to the responsible use of received compensation, in addition to strengthening the emotional well-being of those involved.
Women delivery workers
The insurance also includes exclusive coverage for women:
Assistance in case of cancer
In case of a diagnosis of cervical or breast cancer, the female delivery partner can receive compensation of R$10,000 to help with treatment costs and other health-related expenses. The amount is deposited within 30 days after submitting complete documentation and aims to provide financial support during a difficult time.
Pregnancy assistance
To ensure pregnant delivery workers can carry out their activities with greater peace of mind, the insurance offers assistance of R$500, paid in cash, shortly after pregnancy confirmation. The initiative recognizes the importance of care during this period and seeks to contribute to the well-being of expectant mothers. To benefit from the assistance, the delivery worker must be active on the platform, having completed at least ten routes in the 60 days prior to the pregnancy test.
Assistance for leave due to children’s health
When children up to 12 years old need to take leave for health reasons, female delivery workers can receive compensation equivalent to up to two days of work, with a daily amount of up to R$100. The benefit is granted upon presentation of a medical certificate and can be requested up to twice a year.
Delivery worker well-being
To encourage self-care, the insurance reimburses up to R$150 per year for well-being services such as manicures, hairdressing, massages, makeup, and other personal care. The initiative reinforces the commitment to the physical and emotional health of female delivery workers.
Tips for filing an insurance claim
• In case of an accident, it is important for the delivery worker to stay calm and prioritize self-care.
• To file a personal insurance claim, a claim can be opened 24/7 directly through the Claims Platform. There is also the option to do this by phone at 0800 7252144.
• Depending on the severity of the case or the unavailability of the delivery worker, family members can also file a claim. There is no need to hire companies to do this. Everything can be done in minutes, simply and practically. Additionally, questions can be clarified via WhatsApp at (11) 9348-80672.
• As soon as possible, it is also important to notify iFood so the company can closely monitor the case and provide support to the delivery worker and their family, in addition to checking the need to reassign the order. This can be done easily by activating the floating button for severe cases, available in the iFood app used by partners.
• It is worth noting that the insurance can be claimed both during deliveries and in cases of accidents on the way home.
Social Center
In addition to coverage, iFood has the Social Center, an initiative of support and assistance created to help delivery workers and their families in cases of severe incidents, such as permanent injury or accidental death, offering specialized support. The Center provides social and psychological follow-up, and in more complex cases, in-person assistance is possible. The initiative is part of iFood’s Psychological and Legal Support Center, which offers free assistance in cases of discrimination, violence, or harassment, reinforcing the company’s commitment to the well-being and safety of delivery partners.
Education and traffic safety
iFood offers educational tools to empower delivery workers and prepare them to handle unexpected situations. The online course ‘Had an accident? Know what to do,’ available on the platform Decola para Entregadores, is an opportunity for these professionals to easily learn the important steps to follow in emergency traffic situations. The company also provides, on YouTube, a tutorial on how to report accidents via the app.
