外送平台高溫保障控制台Heat protection control center

高溫達標，
保障自動啟動。When heat crosses the line,
protection switches on.

HIT 將官方氣象資料、平台執勤紀錄與保險給付串成一條自動化流程，讓外送員能在危險高溫下安心暫停接單。HIT connects official weather data, verified platform activity and insured payouts—so couriers can afford to pause when working becomes unsafe.

1,248本次保障外送員Couriers protected

$56,340預計自動給付Estimated payout

23 min預計完成時間Estimated completion

☀ 台北市 · 即時監測Taipei · Live monitoring監測中Monitoring

官方熱危害風險OFFICIAL HEAT HAZARD RISK

第 3 級Level 3

高度風險High risk

熱指數Heat index40.6

Level 4 trigger ≥ 54.4

⌖

大安・信義外送區域Da’an · Xinyi delivery zone

危險時段預計持續至 16:00，系統正在核對符合資格的外送員。Danger conditions are forecast through 16:00. HIT is verifying eligible couriers.

LIVE PROTECTION FLOW

保障事件 #HIT-2407Protection event #HIT-2407

參數型事件全程自動化，並保留可稽核紀錄。A fully automated parametric event with a complete audit trail.

☀氣象門檻Weather thresholdOfficial Level 4

✓資格核對Eligibility check1,248 人符合1,248 qualified

＄錢包給付Wallet payoutUp to US$50

外送員 AppCourier app

HIT heat protection待氣象觸發Awaiting trigger無需診斷書、收據或申請表No medical certificate, receipt or claim form

保單與等待期Policy & waiting period✓

近 30 日外送Deliveries in 30 days18

觸發區域活動Trigger-zone activity✓

商業與營運模式Business & operating model

一次整合，保障自動運行One integration. Protection runs automatically.

外送員安全Courier safety降低危險時段繼續工作的經濟壓力Less pressure to keep working in dangerous heat

品牌信任Brand trust可驗證、可追蹤的社會價值Verifiable, traceable social value

營運韌性Delivery resilience提升夏季留任與運力規劃Stronger retention and capacity planning

平台團體主保單Platform master policy

消費者自願加碼Consumer contribution結帳時的小額保障金Small checkout contribution

平台基本補貼Platform base subsidy確保保障穩定Keeps protection reliable

保險公司承保Insurer coverage依法承擔理賠風險Carries payout risk

可衡量的影響力Measurable impact

讓外送員保障成為可驗證的數據Turn worker protection into evidence

試點目標PILOT TARGET80%保障覆蓋率Worker coverage活躍外送員加入保障of active couriers protected

試點目標PILOT TARGET95%24 小時內給付Paid within 24 hours從觸發至錢包入帳from trigger to wallet

試點目標PILOT TARGET+20%安全暫停能力Ability to pause能負擔暫停接單的外送員couriers able to stop safely

共用數位核心，在地化風險參數A shared digital core with local risk settings

01一座城市One city一個平台、一個夏季One platform, one summer

02更多城市More cities校準在地門檻Local threshold calibration

03更多平台More platforms標準 API 與模組Standard APIs and modules

04更多風險More risks豪雨、空污、淹水Rain, pollution, flooding