Insurance
Insurance
Does Accident Insurance Cover Foodpanda/Keeta Deliverers? Key Coverage, Claims & Tips!
Author
Bowtie Team
Updated on
2025-11-24
Do Delivery Platforms Provide Insurance for Deliverers?
Currently, the two major delivery platforms in Hong Kong, Foodpanda and Keeta, both offer “Group Personal Accident Insurance” for their deliverers. This means that if a rider experiences an accident during the coverage period, they can file a claim for accident insurance. Additionally, Foodpanda and Keeta also provide public liability insurance, which covers compensation for any losses to third parties caused by the riders.
However, both Foodpanda and Keeta classify delivery riders as self-employed individuals, so they do not receive any protections related to labor insurance.
Foodpanda Accident Insurance Coverage
It is applicable to:
- Hong Kong legal residents
- Aged between 16 and 80 years
- Legally permitted to work in Hong Kong
- Holders of a valid Foodpanda independent contractor service agreement and an active Foodpanda deliverer account, committed to providing delivery services to Foodpanda in Hong Kong
- While providing delivery services
Coverage Effective Time
- While providing delivery services (online on the rider app, able to receive orders, and not providing services to a third party); and/or
- Traveling to and from the designated delivery area, including commute time before going online and after going offline (but not exceeding one hour before or after providing delivery services)
- All delivery periods must be logged before the accident occurs
- Any unauthorized use of another person’s account on the app by a third party without prior consent and/or authorization from Foodpanda is not covered under this plan
Coverage Items and Compensation Limits
Coverage Item |
Maximum Compensation Amount |
Accidental death and permanent total or partial disability |
HK$500,000 per insured person 1 |
Death due to assault, murder, or robbery |
HK$20,000 per insured person |
Accidental medical expenses |
HK$100,000 per insured person |
Accidental hospitalization allowance |
HK$400 per day (up to 30 days) |
Temporary total disability |
HK$3,900 per week / weekly amount not exceeding 75% of the rider’s average weekly service fee2 (up to 5 weeks) |
Funeral expenses |
HK$18,000 per insured person |
Dependent children’s education |
HK$15,000 per insured person |
Coma compensation |
HK$3,000 per week (up to 26 weeks)3 |
Loss of personal belongings due to assault |
HK$3,000 per insured person |
Reconstructive or cosmetic surgery expenses |
HK$38,000 per insured person |
Accidental loss of teeth |
HK$1,000 per insured person |
Claims Procedure
Foodpanda insured employees must complete the claims application form within 30 days of the accident, or contact the claims administrator via phone, email, or the specified website for further information.
Foodpanda Claims Administrator Contact Information
Phone |
(+852) 2968 3221 |
foodpanda-claims@marsh.com |
|
Website |
http://foodpanda.map.marsh.com |
Service Hours |
Monday to Friday: 9:00 AM to 5:30 PM |
Exclusions
- Suicide or any attempt at suicide, or intentional self-injury
- Breaking or attempting to break the law or resisting arrest
- Engaging in any aviation or other aerial activities, except as a passenger and not as a pilot or crew member, and not performing any trade or technical operations on the aircraft
- Participating in any professional sports, or where income or rewards could be earned from such activities
- Caused by or arising from war or terrorist attacks, or participation in war
- Resulting from strikes or riots
- *Not applicable to delivery personnel using the “free online mode”
- 1 If a delivery person unfortunately dies or becomes disabled due to an accident, compensation will be provided based on the above coverage amount according to the percentage of injury.
- 2 Compensation will be based on the lower calculation; no compensation for the first 7 days. Compensation will start from the 8th day after losing delivery capacity, with a maximum compensation period of 5 weeks.
- 3 Applies to delivery personnel who are directly caused to be in a coma for at least 14 days due to accidental injury, with a compensation cap of 26 weeks.
Keeta Accident Insurance Coverage
Eligible Individuals
- Aged between 16 and 80 years
- Holders of a valid independent contractor agreement and committed to providing delivery services to Keeta in Hong Kong
- Legally authorized to work in Hong Kong
- A legal resident of Hong Kong
Coverage Effective Time
- While providing delivery services (when online on the Keeta app); and/or
- During commutes to and from the designated delivery area, meaning the time before and after going online (but not more than one hour before or after providing delivery services, and subject to the policy’s relevant terms)
Coverage Items and Compensation Limits
Coverage Item |
Maximum Compensation Amount |
Accidental Death and Permanent Disability |
HK$1,000,000 per insured person |
Temporary Total Disability |
HK$3,900 per week / or the weekly benefit amount not exceeding 75% of the average weekly service fee before the accident, whichever is lower (with a limit of 5 weeks) |
Accidental Medical Expenses |
HK$100,000 per insured person |
Accidental Hospitalization Allowance |
HK$450 per day (with a limit of 30 days) |
Funeral Expenses |
HK$25,000 per insured person |
Coma Compensation |
HK$3,000 per week (with a limit of 26 weeks) |
Dependent Children’s Education |
HK$200,000 per insured person |
Loss of Personal Belongings Due to Assault (Excluding Mobile Phones) |
HK$3,000 per insured person |
Reconstructive or Cosmetic Surgery |
HK$38,000 per insured person |
Loss of Teeth |
HK$1,000 per insured person |
Claims Procedure
Keeta insured persons must complete the claims application form within 30 days of the accident or contact the designated notary via phone or email, and provide further information later.
Keeta Designated Notary Contact Information
Phone |
+852 9221 8243 |
Keeta@toplis.com.hk |
|
Service Hours |
Monday to Friday: 9:00 AM – 5:30 PM |
Exclusions
- Acts of suicide or any attempt at suicide or intentional self-injury
- Violating or attempting to violate the law or resisting arrest
- Caused by or involving war or terrorist attacks
- Strikes or riots
- Any liability arising from the use of any electric mobility devices (EMD, including electric scooters, electric unicycles, electric-assisted bicycles, and balance scooters)
Does Foodpanda and Keeta’s Accident Insurance Provide Sufficient Coverage for Delivery Riders?
Although Foodpanda and Keeta both provide “group personal accident insurance” for delivery riders, the overall coverage is still insufficient overall.
Insufficient Coverage Activation Time
Foodpanda and Keeta’s accident insurance only activates from the time you go online and for 1 hour before or after. In other words, if a delivery rider has an accident even just 1 minute early or late, they might miss out on coverage because it’s outside the time limit.
Insufficient Accident Medical Expenses
Foodpanda and Keeta’s accident insurance offers up to HK$100,000. However, this amount might not fully cover the costs of treatments like fracture surgery at a private hospital.
For instance, just for surgery on a lower limb fracture, the median cost at most private hospitals is over HK$100,000. And if you factor in additional expenses like physical therapy during recovery, the coverage from these delivery platforms might fall short. surgery fees.
Inefficient Claims Process by Delivery Platforms and Insurance Companies
Beyond the inadequate compensation amounts and the “false self-employment” debates, delivery platforms and insurance companies have also been criticized for their slow claims processing. Some delivery riders have complained on social media platforms like Threads about getting injured in accidents while delivering and receiving no follow-up or real help from the platform, with the insurance company simply going “left on read”
Why Deliverers Need Additional Accident Insurance?
Besides the insufficient coverage provided by food delivery platforms as mentioned above, delivery riders also face various accidents during work, some of which can even be life-threatening! Here are some recent incidents of accidents involving delivery riders at work:
- In February 2025, a food delivery motorcyclist in Tseung Kwan O’s Eco Drive was rear-ended by a Citybus, got sandwiched between a dump truck and the bus, suffered severe head injuries, fell into a coma, and passed away after being hospitalized.
- In February 2025, a food delivery motorcyclist got hit by a taxi in Central, complaining of back pain and was taken to the hospital by paramedics.
- In October 2024, a food delivery motorcyclist on West Kowloon Highway reportedly lost control of their motorcycle, flipped over, and crashed with a taxi, resulting in injuries that required hospital treatment.
- In September 2024, a food delivery cyclist in Causeway Bay was struck by a dump truck, got dragged under the vehicle, suffered injuries to the lower body including the thigh, fell into a semi-comatose state, and was rushed to the hospital by ambulance.
Although motorcyclists and cyclists are more prone to traffic accidents, even walking delivery riders can encounter various risks during deliveries, from minor issues like sprains, or occupational strains such as tendonitis and knee damage; to more serious ones like traffic accidents or injuries from falling objects.
Many delivery riders are the main breadwinners for their families, and if an accident happens, the insurance from delivery platforms might not provide enough coverage, leaving families to deal with financial hardships and hefty medical bills—it’s like adding insult to injury.
Therefore, for more comprehensive accident protection, delivery riders should consider getting an additional personal accident insurance.
How Touch Wood Protector Provides Comprehensive Accident Coverage for Delivery Riders?
For just a small amount each month, you can give yourself and your family more solid protection. Touch Wood Protector
accidental medical insurance starts at just HK$62 per month^, offering up to HK$420,000 in coverage per policy year for eligible medical expenses from both minor and major incidents, including:
- Outpatient services (including X-ray diagnostics, ultrasound scans, registered doctor’s outpatient fees and medications, excluding psychiatric treatment)
- Physiotherapy*
- Chiropractic treatment*
- Traditional Chinese bone-setting*
- Specialist doctor fees
- Surgeon fees
- Specified diagnostic imaging tests (MRI scans, CT scans, PET scans, PET–CT combinations and PET–MRI combinations)
- Psychiatric treatment (limited to costs incurred for inpatient psychiatric treatment in Hong Kong upon specialist recommendation)
Plus, Touch Wood Protector offers a longer coverage period, reimbursing medically necessary treatment costs within 12 months after an accident, and all claim items have no deductible (excess), while also covering expenses for mental health treatment due to accidents, such as outpatient and inpatient costs for post-traumatic stress.
Touch Wood Protector covers over 700 occupations, including delivery riders, and for the price of a meal, you get peace of mind for your whole family.
- ^The above prices are based on the standard monthly premium for a 30-year-old male insuring with Touch Wood Protector.
✅ Bowtie Tips for You
Most accident insurances require the policyholder to declare their occupation. If you have a part-time job as a Foodpanda or Deliveroo delivery rider, remember to include it along with your main job!
If you have any unclear areas? Contact Bowtie Customer Service Team to find out more.
Common Questions about Foodpanda and Keeta Accident Insurance
Which has higher coverage: Foodpanda or Keeta accident insurance?
When comparing accident medical expenses, both delivery platforms only offer HK$100,000 in compensation, and this coverage level might not be sufficient for common surgeries resulting from accidents, such as fracture surgery. Therefore, even though delivery platforms provide accident insurance for riders, they should still consider purchasing an additional accident insurance policy to protect themselves.
How long does it take for Foodpanda and Keeta insurance claims to be processed?
The insurance-related documents for Foodpanda and Keeta delivery platforms do not specify the actual time required for claims processing. However, for Touch Wood Protector from Bowtie,
claim cases generally take 7 to 10 working days* for review.
- *Time depends on the complexity of the accident and whether all documents are provided promptly for the claim application
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