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 Insights - Meituan has announced the nationwide rollout of a pension insurance subsidy for delivery riders, marking the first social security subsidy plan available to all riders in the industry [1] - The implementation date has been advanced by two months compared to previous announcements, with details available through the rider app and local social security consultation points starting in November [1] - The company has established a multi-tiered welfare protection network for riders, including basic and advanced protections, and additional work benefits [1] Group 1 - The basic protections include pension insurance subsidies, rider accident insurance, accidental injury insurance, and special weather subsidies [1] - Advanced protections cover serious illness care for riders and their families, as well as education funds for children [1] - Additional work benefits include meal provisions, health check-ups, women's care, family travel, and vocational training [1] Group 2 - Meituan has conducted over 500 discussions with riders and experts to gather feedback on rider protections, leading to improvements based on thousands of suggestions [1] - Since February, Meituan has organized over 10,000 Q&A sessions in collaboration with local human resources departments to provide policy explanations and operational guidance [2] - The company has been involved in the "New Employment Form Occupational Injury Protection" pilot since July 2022, expanding to 17 provinces and cities, with over 20 billion yuan paid in insurance covering 13 million riders by September [2]

美团开始试点为骑手补贴养老保险。 4月3日，美团发布公告，将在福建泉州、江苏南通城区试点为骑手补贴养老保险。试点方案为，对当月收 入达到就业地相关缴费基数下限，且近6个月有3个月满足该条件的骑手，美团以相关缴费基数为基准，补 贴50%的费用。 据悉，这两个试点区域总计覆盖超过2.2万名外卖骑手。这也是自2022年美团进行"职伤险"试点以来，首 次面向全类型骑手开放新的险种试点。 无资格限制自愿参保即可获得50%补贴 南都记者了解到，目前通过骑手APP，可以看到相关通知包含"骑手养老保险政策解读""灵活就业人员参 保指引"和"补贴申领指南"。通知显示，骑手在当月自愿完成参保登记并实际缴费，随后美团会予以50% 现金补贴。 以试点地区为例——泉州市灵活就业人员参加养老保险的最低月缴费基数为4433元，按缴费比例20%计算 金额为886.6元，美团补贴后骑手可获443.3元现金。南通市最低月缴费基数为4879元，参保缴费金额为 975.8元，骑手可获487.9元现金补贴。 方案设计旨在为骑手的自主自愿留下了较大空间。比如考虑到部分骑手对现金流有较强需求，该方案允许 骑手选择更长的缴费周期，如季度、半年甚至年度，只要 ...