ifood: understand how insurance works for couriers

The safety of deliverymen and delivery companies in traffic is a priority for iFood. Recognizing the challenges faced by professionals in everyday life, the company offers complete personal insurance, free of charge, providing greater support and peace of mind to delivery professionals and their families.

IFood offers personal accident insurance since 2019 to all its active partners free of charge. The insurance covers any accident occurred during a route (from the time of acceptance to the completion of the route) and also on the way back home (the return trip to the home“ covers up to 30km away from the place of last delivery; it is valid for motorcycles and cars up to 1 hour extra after the last delivery in the app, while for bicycles, it is up to 2 hours extra after the last delivery).

Recently, the company announced the expansion of coverage for more serious cases, providing essential support for delicate moments.In addition to compensation for serious cases, medical and hospital expenses are also covered.

Know the coverages:

Temporary injury (DITA)

If the deliveryman has an accident and needs to leave between seven and 30 days, he can 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, being possible to trigger this coverage every 90 days.

Permanent disability (IPA)

In cases of permanent, partial or total disability caused by accident during a delivery or on return home, the delivery person is entitled to compensation proportional to the degree of disability, with a value of up to R$60 thousand. In more serious situations, such as total loss of vision or limbs (both hands or feet, for example), proven by medical expertise, the amount of compensation may double, reaching R$120 thousand.

Accredited network medical and hospital expenses

In case of accidents during a delivery or on the way back home, the delivery staff have medical, hospital, physiotherapy and exams in clinics and accredited laboratories. The coverage is up to R$15 thousand and can be triggered by WhatsApp. After approval, the appointment schedule is made directly with the delivery person.

Reimbursement of medical, hospital and dental expenses

For those who choose to perform treatments or consultations outside the accredited network, the insurance offers reimbursement of up to R$15 thousand with medical, dental, physiotherapy, medicines and exams expenses, resulting from accidents occurred during deliveries or on the way back home.

For families

In order not to leave the families of delivery people helpless in cases of accidental death, iFood offers a series of coverages and emotional assistance to beneficiaries:

Accidental death

If the deliveryman dies as a result of an accident during a delivery or on the way back home, the beneficiaries receive compensation in the amount of R$120 thousand.

Funeral aid

In addition to compensation for accidental death, beneficiaries are entitled to an additional amount of R$5 thousand for the cost of the funeral, also applicable in accidents occurring during deliveries or on the return route.

Supporting the education of children

In case of accidental death of the deliveryman during a delivery or on the way back home, children under 18 years are entitled to a financial aid of R$10 thousand each, intended to support their education. The benefit can be requested by the family and aims to contribute to the continuity of studies, offering more security for the future of dependents.

Start over for families

The families of delivery people who die as a result of accidents during deliveries or on their return home also have emotional support and financial guidance through weekly meetings. Coordinated by DSOP, an organization specialized in financial education, the sessions address from family budget planning to the conscious use of compensation received, in addition to strengthening the emotional well-being of those involved.

Women deliverymen

The insurance also has exclusive coverage for women:

Aid in case of cancer

In case of diagnosis of cervical or breast cancer, the partner delivery company can count on an indemnity of R$10 thousand to help with treatment costs and other expenses related to health. The amount is deposited within 30 days after sending the complete documentation and aims to offer financial support at a delicate time.

Gestation aid

In order for pregnant delivery companies to be able to carry out their activities more peacefully, the insurance offers an R$500 aid, paid in cash, soon after the confirmation of pregnancy. The initiative recognizes the importance of care during this period and seeks to contribute to the well-being of future mothers. To benefit from the aid, the delivery company must be active on the platform, having carried out at least ten routes in the 60 days prior to the pregnancy test.

Health leave aid for children

When children up to 12 years old need to leave for health reasons, delivery companies can receive compensation corresponding to up to two days of work, with a daily value of up to R$100. The benefit is granted upon presentation of a medical certificate and can be requested up to twice a year.

Deliveror's welfare

To encourage self-care, the insurance reimburses up to R$150 per year in wellness services such as manicure, hairdressing, massage, makeup and other personal care.

Tips for triggering insurance

In accident situations, it is important that the deliveryman remains calm and prioritizes his self-care.

To trigger personal insurance, it is possible to open a claim 24 hours a day, directly through the Claims Platform. There is also the possibility to do this process by calling 0800 7252144.

Depending on the severity of the case or unavailability of the delivery person, family members can also trigger coverage. It is not necessary to hire companies to make this call. Everything can be done in minutes, in a simple and practical way. In addition, doubts can be clarified by WhatsApp (11) 9348-80672.

As soon as possible, it is also important to notify iFood, so that the company can closely monitor the case and provide support to the deliveryman and family, as well as check the need to relocate the order. This can be done simply by pressing the floating button for severe cases, available from the iFood app that is used by partners.

It is worth remembering that insurance can be triggered both during deliveries and in cases of accidents on the way home.

Social Central

In addition to the covers, iFood has the Social Central, a welcoming and assistance initiative created to support delivery workers and their families in cases of serious accidents, such as permanent injury or accidental death, offering specialized support. The Center provides social and psychological support and, in more complex cases, there is the possibility of face-to-face care. The initiative integrates 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 safety in traffic

IFood offers educational tools to empower deliverymen and prepare them to deal with unforeseen events.The online course “Was an accident? Learn what to do”, available on the platform Takeoff for Deliverers, It is an opportunity for these professionals to learn easily the important steps that must be followed in emergency situations in traffic, on YouTube, a tutorial on how to report accidents by the app.