The safety of delivery drivers on the road is a priority for iFood. Recognizing the challenges faced by professionals on a daily basis, the company provides a comprehensive personal insurance, free of charge, providing more support and peace of mind to delivery professionals and their families.
iFood has been offering personal accident insurance since 2019, free of charge, to all its active partners. The insurance covers any accidents that occur during a route (from the moment of acceptance to the completion of the route) and also on the way back home (the ‘return home’ route covers up to 30km from the location of the last delivery; it is valid for motorcycles and cars up to 1 extra hour after the last delivery in the app, while for bicycles, it is up to 2 extra hours after the last delivery).
Recently, the company announced the expansion of coverage for more severe cases, providing essential support for delicate moments. In addition to compensation for severe cases, medical and hospital expenses are also covered.
Know the coverages:
Temporary Disability (DITA)
If the driver suffers an accident and needs to take time off between seven and 30 days, they may receive compensation calculated based on the average earnings of 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 activated every 90 days.
Permanent Disability (IPA)
In cases of permanent, partial, or total disability caused by an accident during a delivery or on the way back home, the delivery person is entitled to compensation proportional to the degree of disability, with a value of up to R$60,000. In more severe situations, such as total loss of vision or limbs (both hands or feet, for example), proven by medical examination, the compensation amount can double, reaching R$120,000.
Medical and hospital expenses in accredited network
In the event of accidents during a delivery or on the way back home, delivery persons have access to medical, hospital, physiotherapy, and examination services at accredited clinics and laboratories. The coverage is up to R$15,000 and can be accessed via WhatsApp. Upon approval, the appointment scheduling is done directly with the delivery person.
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 examination expenses resulting from accidents that occur during deliveries or on the way back home.
For families
To ensure that the families of delivery persons are not left unsupported in cases of accidental death, iFood offers a range of coverage and emotional assistance to the beneficiaries:
Accidental death
If the delivery person passes away due to an accident during a delivery or on the way back home, the beneficiaries receive compensation in the amount of R$120,000.
Funeral assistance
In addition to compensation for accidental death, beneficiaries are entitled to an additional amount of R$5,000 for funeral costs, also applicable to accidents that occur during deliveries or on the return journey.
Support for children’s education
In case of accidental death of the delivery person during a delivery or on the way back home, children under 18 are entitled to a financial aid 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 studies, offering more security for the dependents’ future.
Fresh start for families
The families of delivery persons who pass away due to accidents during deliveries or on the way back home also receive emotional support and financial guidance through weekly meetings. Coordinated by DSOP, a specialized organization in financial education, the sessions cover everything from family budget planning to the conscious use of the compensation received, as well as strengthening the emotional well-being of those involved.
Female delivery persons
The insurance also includes exclusive coverages for women:
Aid in case of cancer
In case of a diagnosis of uterine or breast cancer, the female delivery partner can receive a compensation of R$10,000 to help with treatment costs and other health-related expenses. The amount is deposited within 30 days after the complete documentation is submitted and aims to provide financial support in a sensitive moment.
Pregnancy aid
To allow pregnant drivers to carry out their activities more smoothly, the insurance offers a $500 aid, paid in cash, shortly after pregnancy confirmation. The initiative recognizes the importance of care during this period and aims to contribute to the well-being of future mothers. To benefit from the aid, the driver must be active on the platform, having completed at least ten routes in the 60 days prior to the pregnancy test.
Child health leave assistance
When children up to 12 years old need to take time off due to health reasons, drivers can receive compensation for up to two days of work, with a daily value of up to $100. The benefit is granted upon presentation of a medical certificate and can be requested up to twice a year.
Driver’s well-being
To encourage self-care, the insurance reimburses up to $150 per year in well-being services such as manicure, hairdressing, massage, makeup, and other personal care. The initiative reinforces the commitment to the physical and emotional health of women drivers.
Tips for using the insurance
• In case of an accident, it is important for the driver to remain calm and prioritize self-care.
• To activate personal insurance, it is possible to file a claim 24 hours a day, directly through the Claims Platform. There is also the option to go through this process by calling 0800 7252144.
• Depending on the severity of the case or unavailability of the delivery person, family members can also activate the coverage. It is not necessary to hire companies to make this activation. Everything can be done in minutes, simply and practically. In addition, questions can be answered via WhatsApp at (11) 9348-80672.
• As soon as possible, it is also important to notify iFood, so that the company can monitor the case closely and provide support to the delivery person and family members, as well as check the need to reallocate the order. This can be done simply by activating the floating button for severe cases, available on the iFood app used by partners.
• It is worth mentioning that the insurance can be activated both during deliveries and in case of accidents on the way back home.
Social Center
In addition to coverage, iFood has a Social Center, an initiative of reception and assistance created to support delivery persons and their families in cases of serious accidents, such as permanent injury or accidental death, offering specialized support. The Center provides social and psychological monitoring and, in more complex cases, there is the possibility of face-to-face assistance. The initiative is part of the Psychological and Legal Support Center of iFood, which provides free assistance in situations of discrimination, violence, or harassment, reinforcing the company’s commitment to the well-being and safety of delivery partners.
Education and road safety
iFood provides educational tools to empower delivery drivers and prepare them to deal with unforeseen circumstances. The online course ‘Have you 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 that must be followed in emergency situations on the road. The company also provides, on YouTube, a tutorial on how to report accidents through the app.
