A 20-year-old student juggling his studies in Computer Science, German, and BA (Hons) Psychology while working as a Swiggy delivery agent has strongly criticized the company’s corporate insurance. He described it as “pointless,” claiming that insurers create unnecessary hurdles as soon as they realize the policy is linked to a corporation.

In a Reddit AMA, the student was asked if Swiggy provided any coverage for its riders. He responded that while insurance exists on paper, claiming benefits is nearly impossible due to the insurer’s reluctance to approve requests.

The discussion expanded to include the ethics of 10-minute delivery services like Swiggy and Zepto. A Reddit user questioned whether an increase in orders would actually improve pay and working conditions for riders. The student replied that avoiding such platforms wouldn’t change much since someone else would always take the job at lower wages.

Expressing doubts about the sustainability of rapid delivery models, he stated that once these businesses start suffering serious financial setbacks, they will be forced to rethink their approach.

He also highlighted the inconvenience of cash transactions, explaining that platforms like Swiggy and Zomato impose strict limits on how much cash riders can collect. If they exceed this cap, their accounts get temporarily blocked until they transfer funds back to the company.

Swiggy has yet to respond to these concerns.