Food delivery workers, ride‑hailing drivers, and local freight carriers all get occupational injury coverage paid for by the platform on a per‑order basis — at no cost to them.

Platforms must pay occupational injury insurance premiums for every order placed by delivery workers, ride‑hailing drivers, and local freight carriers — none of that cost falls on the workers themselves. This is still a pilot scheme, so before accepting any orders, confirm that both your province and your platform are included. Workers who already have a formal employment contract with a platform are covered under regular workers’ compensation, not this program.

Zero out‑of‑pocket expense; the platform bears the entire premium. Your only task is to verify whether the platform you use is part of the pilot program. Two easy ways to do this: check the “Occupational Injury Coverage” section in the app’s benefits page, or call your provincial Human Resources and Social Security Bureau to ask if the platform is enrolled.

The coverage is governed by the “Interim Measures for Occupational Injury Insurance for Workers in New Forms of Employment.” Article 2 states: “Platform enterprises shall enroll in occupational injury insurance for new‑form workers as required by these measures… ensuring coverage for every order and every worker who registers via the platform and receives compensation for services such as ride‑hailing, delivery, and local freight.” Article 9 specifies premium rates during the trial phase: 0.01 yuan per order for ride‑hailing, 0.07 yuan and 0.25 yuan per order for delivery, and 0.18 yuan per order for local freight. Starting July 1 2025, the pilot expanded to ten additional provinces, and by 2026 it is slated to cover all 31 provinces and the Xinjiang Production and Construction Corps.

This remains a pilot program, not a nationwide mandatory system. Before taking any orders, verify that your province and platform are part of it; otherwise you’ll need to purchase private insurance on your own. The “Guiding Opinions on Protecting Labor Rights of Workers in New Forms of Employment” also mandates that platforms pay wages no lower than the local minimum, pay on time and in full, and provide fair compensation on statutory holidays. The document’s reference number is HRSSB [2021] 56; it is cited in Rule 11 of this section regarding flexible-employment workers. In any dispute, follow these rules rather than settling privately with the platform. For medical insurance and pension contributions, flexible-employment workers must enroll separately — see Rule 11 of this section for details.

人力资源社会保障部等九部门 (2025). 关于扩大新就业形态人员职业伤害保障试点的通知（人社部发〔2025〕24 号）及附件《新就业形态人员职业伤害保障办法（试行）》第二、九条. https://www.gov.cn/zhengce/zhengceku/202507/content_7031656.htm