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开车接单时安心无忧

可选人身伤害保险旨在让通过优步平台开车接单或提供派送服务的人员在发生意外时感到放心。我们认为,如果合作车主遭遇意外事故,并因此无法开车接单或提供派送服务,从而无法赚取收入或必须支付医疗费用,他们理应有机会获得保障。

为您提供创新保障

For less than $0.03 a mile, Optional Injury Protection, through Affinity Insurance Services Inc., helps minimize the financial impact a covered accident could have on a driver or delivery person. Pioneered by Uber, this insurance offering is designed specifically for drivers.

重要保障

针对此可选保险承保范围内的伤害,您可享受若干重要保障,包括:

伤残赔偿

每周最高 $500 的收入补贴

医疗费用

最高 $100 万的意外医疗费用,无免赔额或共付额

遗属抚恤金

您的家人可获得最多 $15 万的赔偿

“事故发生后,可选人身伤害保险真的支付了我接受治疗期间的误工补贴,这有利于我照顾好孩子,并消除了我的很多恐惧。我很高兴自己不必担心财务方面的问题,只需要采取必要的措施,让自己恢复健康即可。因此,我只需正常生活,恢复健康,现在我又重新开始开车接单了。这让我感到很开心。”

合作车主帕特里夏

卓越投保体验

只需支付每英里保费

只需为行程期间支付每英里 $0.0375 的费用,但您在线接单期间、接载乘客或派送订单的途中以及行程中(针对派送和接载行程)都可享受保险保障。保费全部归保险公司所有,优步不会收取与此保障相关的任何费用或佣金。

立即获得保障

只需点击两次即可完成注册,确保下次行程可享受保障。

自动付款

系统会从每次行程中自动扣除您的保费,扣除额将清楚地显示在您的收入报告中。

可随时停止投保

取消注册非常简单,您可以随时取消。

Additional Coverages Available by State

  • CA earners now have Injury Protection insurance paid for by Uber. You can stay enrolled in Optional Injury Protection insurance and will not be charged for California trips driven that are covered by Injury Protection effective.

  • Effective January 1, 2023 WA rideshare drivers who sustain injuries while en route to pick up riders and during rideshare trips may be eligible for workers compensation insurance coverage by filing a claim with the Washington Department of Labor and Industries.

    WA drivers and delivery persons remain eligible to enroll in Optional Injury Protection.

常见问题

  • 作为合作车主或派送员,您随时都在行程途中。意外事故可能会发生,而且通常并非因您自身的过错引起。购买经济实惠的可选人身伤害保险是明智之举。针对受保范围内的意外事故导致的意外医疗费用和符合条件的收入损失,您将享有保障。这也有助于尽量减少意外事故给您和家人造成财务影响。此保险专为合作车主提供。

  • 您一旦注册投保并符合相关资格要求,即开始针对受保范围内的意外事故享有保障。尽管您只需针对接载乘客途中或派送途中完成的里程数支付费用,但在以下三种情况下,针对受保范围内的意外事故您均享有保险保障:  

    • 上线期间(包括您等候派送派单期间)
    • 在您前去接载乘客或领取派送订单期间
    • 使用车主端开车接单期间

    当您为其他公司提供派送服务时,或出于个人娱乐目的驾驶车辆时,可选人身伤害保险不适用。

  • 针对可选人身伤害保险承保范围内的伤害,如果您通过优步上线接单期间在受保的意外事故中受伤,您和家人可获得 6 种重要保障:  

    • 最高 $100 万(无免赔额或共付额)的意外医疗费用保障
    • 每周最高 $500 的暂时全残保障
    • 每周最高 $500 的连续性全残保障
    • 最高 $5 万的意外死亡保障
    • 最高 $15 万的遗属抚恤金保障
    • 最高 $20 万的意外残肢保障
  • 您可以通过车主端“保险”部分轻松快速地完成注册,方法如下:轻触“可选人身伤害保险”下的“了解更多”(转到“账号” > “保险” > “可选人身伤害保险”),您也可以点击以下链接上线:driverinjuryprotection.uber.com/enroll

  • 可选人身伤害保险完全由您自由选择。您可以随时注册或终止保险。作为独立的业务经营者,您可以购买可选人身伤害保险产品,以帮助管理风险。

  • 汽车责任保险保障可能不涵盖合作车主的个人医疗费用。请查看您的汽车责任险保单,了解更多详情。可选人身伤害保险针对受保范围内的意外事故提供医疗保障,并提供额外保障,比如在您通过优步上线接单期间,为您提供伤残收入补偿和遗属抚恤金。 优步提供的共享出行保险针对因受保范围内的意外事故而导致的第三方人身伤害和财产损失责任(如乘客、其他车辆上的人员、行人或财产)提供保障。此共享出行保险通常不包含可选人身伤害保险提供的保障。如需了解更多信息,请通过以下链接阅读优步代表合作车主购买的保险的概述信息:uber.com/insurance

  • 如果您向优步提交包含伤害详细信息的索赔,并且您已购买可选人身伤害保险提供的保障,优步将通知 Atlantic Speciality Insurance Company。您也可以拨打 844-747-6221(免费)联系 Atlantic Specialty Insurance Company,以获取 7 X 24 小时客服支持。

  • 该保险旨在确保合作车主和派送员在遭遇受保范围内的人身伤害时享有保险保障。该保险提供医疗费、伤残、死亡和残肢赔偿保障。

  • Coverage costs less than $0.03 per mile on covered trips. The premium is calculated based on miles traveled while you’re on a trip with a rider or on your way to drop off an order and is rounded to the nearest cent at the end of each trip. You’re only charged for the miles while you’re on a trip, but the coverage extends while you’re online waiting for a trip. The payment process is simple. When you enroll for Optional Injury Protection at driverinjuryprotection.uber.com, you'll also authorize Uber to deduct the per-mile premium from your earnings to facilitate payment. Uber takes no compensation from the premiums. If you decide you no longer want Optional Injury Protection coverage, you can stop it at any time.

    Please note the rate is subject to change. Insureds will be notified in advance of any rate changes.

  • There are no refunds available for premium deducted from eligible drivers for Optional Injury Protection.

  • Coverage may be canceled at any time in the Uber App by following these steps:

    • Open the Account menu in the Uber Driver App
    • Select “Insurance” to open Insurance Hub
    • Go to “Optional Injury Protection”
    • Select “Terminate Coverage”
    • Choose a cancellation reason from the list
    • Select “Terminate” to confirm
    • You will receive a confirmation message in the app that your coverage has been canceled
    • Remember, you can re-enroll through the app at any time

    For a visual guide, click here.

  • 在加利福尼亚州,您无需登记或支付相关费用即可获得人身伤害保险。根据第 22 号法案的规定,优步会为您购买此保险。

  • Yes, you are eligible for Injury Protection even if you are enrolled in Optional Injury Protection. You can stay enrolled in Optional Injury Protection insurance and will not be charged for miles driven that are covered by Injury Protection effective 12/16/20.

  • For a detailed Explanation of Coverage including benefits, terms, limitations and exclusions, please click here.

  • Eligible drivers can file a workers’ compensation claim with the Washington Department of Labor & Industries if an injury occurs after a trip has been accepted on the Uber platform and while driving to a passenger pickup location or while the trip is in progress. This coverage does not apply before accepting a trip on the Uber platform or while completing a delivery on the Uber platform. To file a claim call 1-800-547-8367 or click here. To learn more about this coverage click here.

实用资源

向 Aon 的客服代表发送电子邮件

了解其他详细信息

Uber Technologies is not an insurance provider and is not performing any insurance services. All coverages are subject to the policy terms, conditions, limitations, and exclusions. Affinity Insurance Services Inc., is offering this optional coverage to people who use the Driver app. Optional Injury Protection insurance is offered through Affinity Insurance Services Inc., and the policy is underwritten by Atlantic Specialty Insurance Company. If there’s a discrepancy between the information shown here and the actual insurance policy, the policy governs. For further information, please see the coverage details.

Optional Injury Protection is currently available in 41 states and Washington, DC: Alabama, Arizona, Arkansas, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri¹, Nebraska, Nevada, New Hampshire, New Jersey, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.

** * All Coverages are subject to the policy terms, conditions, limitations, and exclusions. If there is a conflict between the information shown here and the policy, the policy will govern.

The Injury Protection policy is underwritten by Homeland Insurance Company of New York. For further information, please see coverage details.

¹ For Missouri Enrollees: Premium rates may differ based on the mode of transportation used for delivery. Rates are calculated on the basis of experience within the entire group. Individual coverage will not be cancelled or non-renewed due to the deterioration of the health of participants. Any change in premium rates will be communicated to the Policyholder and the approved Platform Operator with written notice sixty (60) days in advance of the premium due date. See coverage details for Missouri Enrollees.

For Washington Enrollees: Premium rate is $0.022 per trip mile.