Data from ANTT (National Land Transport Agency) indicates that there are 2,6 million trucks and 900 thousand registered self-employed drivers in Brazil. And the records of fatal accidents are frightening. In 2023, according to the Federal Highway Police, 17 were registered.579 accidents involving trucks, resulting in 2.611 deaths. In 2024, the deaths on federal roads increased to 3.291
In light of this scenario, a Iriom, technology company that focuses on its application a series of services aimed at road transport professionals, launched the "Iriom Guardian", a multiservice product that aggregates, in a single plan, coverage for death or disability, unlimited online medical consultations (24 hours a day), funeral assistance and emergency credit
According to Paulo Nascimento, CEO of Iriom, the "Iriom Guardian" was structured based on the specific needs of truck drivers and their families, focusing on providing support in risk situations associated with professional activity. The plan brings together different forms of protection in a single solution and aims to facilitate access to services such as medical care, financial protection and assistance in critical situations, through the company's app. It is an unprecedented solution for truck drivers, a public often overlooked by traditional health plan and insurance models, affirms
The idea gained momentum in December 2024 when Iriom conducted a qualitative survey during the 36th Festival of Saint Christopher and the Drivers of Garibaldi, in Rio Grande do Sul, largest truck drivers' party in Brazil. The result reinforced the need for more humane and accessible solutions for independent truck drivers.
In the sampling, 52,2% of truck drivers work independently, 56,5% have their own truck, 72,7% are married and 86,4% of respondents have one or more children. The survey revealed that 61% have stopped seeking medical care due to being on the road or lacking easy access to health services while traveling. About 57% of them drive more than 8 hours a day
Many drivers mentioned that they do not have health insurance, life insurance or any protection in case of absence due to accident or illness. And the reason for this is the high cost imposed by the traditional market. Most said that, if something serious happens, the family will be unprotected. One of the most mentioned feelings was the fear of 'something happening' and not being able to help the family resolve the issues either financially or emotionally. These answers justify the creation of a targeted product like ours
The executive states that everything has been designed to ensure the user has quick access to medical care, financial support and assistance for him and his family, regardless of where he is, without bureaucracy and without weighing on the wallet. You just need to activate the desired service through the app itself. The product is suitable for truck drivers who spend days or weeks away from home and face constant risks on the road.
The plan provides coverage for death or disability with significant amounts, up to R$100 thousand, and the contractor will have access to complete funeral assistance, inclusive national and international transfer of the body, without mileage limit. In the market, it is common for this type of service to have partial coverage, with a distance limit or ceiling of values between R$ 3 thousand and R$ 5 thousand. The death of a truck driver can be very difficult for the family, because, due to the profession, death can occur far from home, what makes the cost of transporting the body high for the family.
The usefulness of the "Iriom Guardian" is not limited to these extreme events. Who works for themselves on the roads, many times one finds themselves in a situation that requires money for some unforeseen event and has to juggle to manage. For that, the plan also offers emergency credit of up to R$ 2,000.
It is worth noting that there are times when freight payment takes longer than usual and at those times having access to credit is all the driver needs to eat, pay truck parking, among other needs. One advantage is that the "Iriom Guardian" credit plan offers five days without interest, that is to say, if the driver manages to pay before this deadline – suddenly the shipping cost drops in the account – he is completely exempt from fees
Ecosystem
Iriom was created with the aim of going beyond a digital bank. The platform functions as a complete ecosystem, bringing together financial services, consultation and installment of vehicle debts, in addition to offering benefits such as exclusive discounts on fuels, auto parts stores and other strategic partners focused on the truck driver's routine. This proposal was born from the difficulties faced by drivers in unexpected situations on the roads. Many times, a breakdown in the vehicle means relying on others for financial help, what can cause discomfort and overload
With the platform we created, this reality changes, as the driver comes to rely on a support network that preserves finances and relationships with family and friends, prioritizing the well-being of professionals, explain
See below the advantages provided by Iriom Guardian
Services and values of the "Iriom Guardian"
| Benefit | Basic Plan | Essential Plan | Family Plan |
| Telemedicine | Individual | Individual | Family (Holder + 4) |
| Funeral assistance and transportation | Yes | Yes | Yes |
| Coverage for death or accidental disability | Ні | £ 20,000 | £ 100,000 |
| Emergency credit | Up to R$ 500 | Up to R$ 1.000 | Up to R$ 2.000 |
| Monthly amount | R$ 29,90 | R$ 49,90 | R$ 99,90 |
