Swiggy Changes Worker Insurance Policy Based on Driver’s Delivery Performance
Last Updated: October 7, 2025 | 4 min read
Rishabh Oberoi
Financial Content Writer. 5 Years of experience of working and marketing Fintech Solutions.
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Last Updated: October 7, 2025 | 4 min read
Financial Content Writer. 5 Years of experience of working and marketing Fintech Solutions.
Swiggy, one of India's largest food delivery platforms, has recently announced changes to its worker insurance policy. This new policy links the insurance coverage of delivery drivers to their performance.
One possible explanation for this sudden change could be that Swiggy aims to motivate delivery partners to perform better. By linking insurance benefits, which is an effective security net, to a partner's track record, Swiggy might be hoping to drive them towards:
Swiggy's new policy ties insurance benefits to the delivery performance of its drivers. It means that the better the delivery partner performs, the more their insurance coverage will be. Performance metrics might include the number of deliveries completed, customer ratings, and timely delivery records.
With this change, Swiggy is all set to boost the customer experience by motivating its delivery partners to maintain high-performance standards and ensure timely and satisfactory customer services, making this new policy a part of their efforts to improve the overall delivery system's efficiency and reliability.
Under this policy, delivery partners may receive insurance coverage at different levels depending on their active performance:
These levels of coverage might include benefits like higher medical refund limits, better accident coverage, and vast health insurance options, while the earnings of these delivery partners vary based on the number of deliveries they complete, the distance covered, and customer tips.
Although this policy aims to reward high performers, it might also create stress and pressure among drivers who struggle to meet performance criteria. Some drivers feel that their access to fair insurance is unfairly tied to factors influenced by external circumstances, such as traffic conditions or customer behavior.
Zomato, the main competitor of Swiggy, also gives insurance to its delivery partners. However, Zomato’s policy provides uniform insurance coverage to all drivers, regardless of their performance. It includes accident insurance, health insurance, and other benefits similar to Swiggy and not tied to delivery metrics.
The difference between the policies of Swiggy and Zomato lies in how both parties approach insurance distribution. Swiggy’s performance-based policy aims to encourage better service and reward excellence, whereas Zomato’s uniform coverage model ensures all drivers receive the same level of protection, promoting equality and reducing stress related to performance-based benefits.
Swiggy's new insurance policy changes how delivery driver benefits are structured, hoping to boost driver motivation and enrich service quality by linking insurance coverage to the delivery partner's performance.
However, this approach also raises concerns about fairness and pressure on drivers. As Swiggy and Zomato continue to compete in the Indian food delivery market, it will be interesting to see how these policies impact driver satisfaction and overall service standards.
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