The renewed package includes up to Rs 10 lakh for accidental death, hospital and family health cover, maternity benefits and 24-hour teleconsultations.
Swiggy has renewed its insurance programme for delivery partners, extending a package of accident, hospital and family health cover to more than 2.5 million workers in one of India’s largest gig-economy fleets. The company says the revised plan is designed to give riders greater financial resilience, broader healthcare access and stronger social protection at a time when platform workers continue to face uneven income and limited formal benefits.
According to Swiggy, the cover includes accidental death insurance of Rs 10 lakh, in-patient hospitalisation protection of up to Rs 2 lakh and family health cover of up to Rs 1 lakh. The company also says maternity benefits remain available to women delivery partners and to the spouses of male delivery partners where family cover applies. During the previous policy period, Swiggy said 75% of maternity claims came from spouses of delivery partners, while the remainder were used by women working on the platform.
The renewed policy also keeps in place accident protection for active delivery partners, with fixed payouts linked to accidental death or disability, as well as child education support in cases of accidental death or permanent total disability. Health cover extends to cashless and reimbursement-based treatment, including day-care procedures, outpatient care, pre- and post-hospitalisation expenses, emergency road ambulance services and, importantly, cover for pre-existing conditions from day one. Swiggy says benefits can be accessed through its delivery partner app.
The company has also added wider wellness measures, including free 24-hour teleconsultations for delivery partners and their families with general physicians and super-specialists, plus discounted medicines, diagnostic tests and wellness sessions. Swiggy chief operating officer for food marketplace Saurav Goyal said the insurance programme has grown into one of the more comprehensive protection schemes in India’s gig economy, and said the company is continuing to strengthen access to financial and healthcare support. Swiggy also said it ran health check-up camps in several cities last financial year and plans to extend those initiatives further this year.
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