北京金融法院发布八个典型案例 依法保护新业态劳动者保险权益

Core Viewpoint - The Beijing Financial Court has held a press conference to introduce the case handling situation regarding the insurance rights of new economy workers, highlighting eight typical cases that address the complexities and challenges in ensuring these rights in the rapidly evolving gig economy [1][2]. Group 1: Identification of Actual Insured Parties - The court clarified the rules for identifying actual insured parties in new economy insurance, emphasizing the complexity of insurance contracts due to multiple subcontracting and extended transaction chains [2]. - A case involving a dispute between an insurance company and a rider demonstrated the application of "penetrating" judgment to identify the rider as the actual insured party, resulting in a compensation of 600,000 yuan to the rider's legal heirs [2][3]. Group 2: Clarification of Responsibilities and Insurance Types - The court addressed the relationship between new occupational injury insurance and commercial insurance, confirming that new economy workers can claim compensation from both types of insurance [3]. - In another case, it was established that employees could still claim compensation from group accident insurance even after the employer fulfilled their civil liability, thereby protecting workers' rights [3]. Group 3: Insurance Company Practices - The court criticized insurance companies for their "easy entry, strict exit" practices and formalistic underwriting behaviors, ruling that insurers cannot void contracts based on the insured's occupation if they waived underwriting [3][4]. - This ruling aims to encourage the insurance industry to strengthen integrity and operate in a more standardized manner [3]. Group 4: Protection of Insurance Interests - The court recognized the insurance interests of insured parties in cases of "mixed employment" among related companies, which complicates the identification of actual employment relationships [4]. - The court also clarified the relationship between employer liability insurance and additional 24-hour accident insurance, stating that claims should be based on the primary insurance's liability conditions [4]. Group 5: Review of Insurance Clauses - The court emphasized the need for strict examination of special clauses in insurance policies that limit coverage, ensuring that such clauses are mutually agreed upon [4]. - This move aims to promote transparency in insurance terms and prevent insurers from evading responsibilities under the guise of special agreements [4]. Group 6: Application of Causation Principles - The court explained the application of the "proximate cause principle" in cases of refusal to pay due to unlicensed driving, stating that insurers cannot deny claims if the cause of the accident is not directly related to the exempted behavior [5][6]. - This clarification provides a legal framework for similar cases, requiring insurers to meet both formal validity and substantial relevance criteria when applying exemption clauses [6]. Group 7: Overall Impact - The release of these typical cases reflects the Beijing Financial Court's commitment to protecting the insurance rights of new economy workers and promoting high-quality development in the new economy [6].