Swiggy Renews Insurance for 25 Lakh Delivery Partners. Know Details
Swiggy continues to provide insurance protection to 25 lakh delivery partners through a renewed policy, highlighting the importance of social security for gig workers.
Swiggy has renewed its insurance coverage for 25 lakh delivery partners, reinforcing its commitment to their financial protection and welfare.
NEW DELHI – Swiggy has renewed its accident and health insurance programme for delivery partners, which covered more than 25 lakh people in FY25-26. The cover is underwritten by IndusInd General Insurance, formerly Reliance General Insurance. The renewed policy includes accident protection, in-patient hospitalisation cover of up to ₹2 lakh and family health cover of up to ₹1 lakh.
Swiggy’s tie-up with the insurer dates to 2023, when the programme covered about 3 lakh delivery partners. Swiggy’s Chief Operating Officer for Food Marketplace, Saurav Goyal, said the renewal carries enhanced benefits and describes the programme as one of the more comprehensive protection initiatives in India’s gig economy.
Swiggy: What the renewed policy covers
Every active delivery partner gets accident protection, which includes a fixed payout in case of accidental death or disability. Related support, such as child education assistance, is payable if a partner dies in an accident or suffers permanent total disability.On the health side, the policy offers cashless and reimbursement options for hospitalisation, day care procedures, maternity and outpatient treatment. Day care procedures are covered up to the full sum insured at both network and non-network hospitals. Other listed benefits include emergency road ambulance services up to ₹10,000, OPD treatment up to ₹10,000 with no sub-limits, pre- and post-hospitalisation expenses, loss-of-pay support and mobile cover.
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Pre-existing diseases are covered from Day 1, with no waiting period. Maternity benefits apply to all women delivery partners and to the spouses of male partners where family cover applies. In the previous policy period, 75 per cent of maternity claims came from spouses of delivery partners and the remaining 25 per cent from women delivery partners. Claims are filed through the Swiggy Delivery Partner App.
Swiggy: Teleconsultations, wellness support and health camps
The programme also gives partners and their families round-the-clock access to free teleconsultations with general physicians and super-specialists. Wellness benefits include discounted medicines and diagnostic tests, wellness sessions and AI-driven wellness management tools.
Swiggy also ran health check-up camps for delivery partners in several cities last financial year. It plans to extend these health and wellness efforts to more cities in the current financial year, pairing preventive care with financial protection.
Swiggy: How the cover has grown, and where policy stands
Swiggy says it began insuring delivery partners in 2015 and extended cover to their families in 2019. The company bears the full premium, with no contribution from the partner. It has said it paid out around ₹30 crore in insurance claims annually over the past few years. Cover has also scaled up sharply. In 2024, the company said about 12 lakh unique delivery partners had been insured under its policy in the previous year.
The renewal comes as policy on gig worker welfare firms up. The Code on Social Security, 2020, defines gig and platform workers for the first time and provides for schemes covering life and disability, accident insurance, health and maternity benefits, financed through a Social Security Fund. The Code allows aggregators to be asked to contribute 1 to 2 per cent of annual turnover to the fund, capped at 5 per cent of what they pay to workers. Draft rules proposed an Aadhaar-linked registration process for workers aged 16 and above.
They also proposed a minimum of 90 days of engagement with a single aggregator in a financial year to qualify for benefits. In May 2026, a senior labour ministry official said nearly one crore people work in the gig and platform economy and that approval had been received to operationalise the National Social Security Board for these workers.
Other platforms have also expanded cover. Zomato and Blinkit said they spent over ₹100 crore on insurance for delivery partners in 2025, with premiums fully borne by the company. Worker groups say coverage still varies from platform to platform. One union representative said some companies do not cover immediate family members and most do not cover workers’ parents. Unions have also disputed the platforms’ claims about the strength of their safety nets.
