文 | 萧田 百万骑手终于有保障了。 10月27日，美团官宣即日起骑手养老保险补贴将正式覆盖全国，向全国全行业全部类型骑手开放。 这是行业首个面向全部骑手开放的社保补贴方案。 众所周知，美团的活跃骑手数量一直遥遥领先。这就意味着，美团这一保障福利最终总覆盖预计超过数百万人。 根据时间线梳理来看，美团对骑手养老保险补贴试点、骑手保障提升的重视程度一直处于"最优先级"： 今年4月启动试点，5月首批补贴到账，7月向全国推广，10月覆盖全国，算下来，仅半年时间，美团就系统性的、初步建成覆盖数百万骑手的福利保障 网，形成基础保障+进阶保障+骑手福利的三级保障体系。 显然，这不是一个普通的经营动作，而是一个极具战略价值和社会价值的标志性事件。 客观上来说，给"骑手上社保"一直是老大难问题。社会上，对企业与骑手这类灵活就业劳动者的雇佣关系、以及其社保该如何缴纳的问题，争议一直不 断。 很多人也低估了平台给骑手上社保的难度： 一方面，为骑手上社保是一笔巨大的成本开支。 要知道，中国的外卖骑手群体十分庞大。 据公开数据，截至2025年初，美团活跃骑手超过700万人。饿了么活跃骑手超过400万人，京东旗下达达的活跃骑手超过130 ...

Core Points - Meituan has announced the nationwide implementation of a pension insurance subsidy for delivery riders, marking the first social security subsidy plan open to all riders in the industry, two months ahead of the previously announced launch date [1] - The company has established a multi-tiered welfare protection network for all riders, which includes basic protections such as pension insurance subsidies, work injury insurance, accident insurance, and special weather subsidies, as well as advanced protections like major illness care for riders and their families, and children's education funds [1][3] - The initiative is expected to cover over several million riders across the country, with extensive outreach efforts including over 500 discussions with riders and experts, and more than 10,000 Q&A sessions held in various locations [2] Summary by Sections Welfare Protection - The welfare benefits are designed to be accessible to all types of riders nationwide, with an estimated coverage exceeding several million individuals [2] - Meituan has been actively engaging with riders to gather feedback, holding over 500 meetings and collecting thousands of suggestions for improvement [2] Implementation and Financials - Since July 2022, Meituan has participated in a pilot program for "new employment form occupational injury insurance," expanding to 17 provinces and cities, with over 2 billion yuan paid in insurance premiums and coverage for 13 million riders by September 2023 [3] - The pension insurance plan is set to be piloted in early 2025, with a monthly subsidy of over 400 yuan, potentially alleviating financial pressures for riders [3] Future Developments - Meituan plans to further enhance the welfare model for riders, introducing additional benefits such as "parent-child leave" and "autumn harvest leave," along with expanding meal subsidies and family travel options [4]