破局新业态保险强制搭售、“宽进严出”乱象 北京金融法院探索创新路径

Core Viewpoint - The Beijing Financial Court emphasizes the need for improved protection of insurance rights for new economy workers, highlighting the complexities and challenges in insurance disputes involving multiple parties [1][2][3] Group 1: Insurance Disputes Overview - Since its establishment in 2021, the Beijing Financial Court has handled 1,796 second-instance insurance dispute cases, with a total amount exceeding 2.188 billion yuan, of which 15.92% are related to new economy workers' insurance rights [1] - The main types of disputes in new economy insurance cases include accidental injury insurance contract disputes, employer liability insurance disputes, and insurer subrogation disputes [1] Group 2: Issues Faced by New Economy Workers - Internet platforms often obscure their responsibilities in labor insurance rights protection through complex transaction structures, leading to potential violations of workers' autonomy in choosing insurance [2] - Many new economy workers lack awareness of insurance products and their rights, which hinders their ability to claim compensation effectively [3] Group 3: Court's Initiatives and Recommendations - The Beijing Financial Court is enhancing its specialized adjudication efficiency and exploring a "full-chain" collaborative governance approach to address the shortcomings in insurance product design and industry management [3][4] - Recommendations for insurance institutions include clearly defining new economy workers as policyholders for relevant insurance products and creating standardized claims guidelines for faster compensation [4] - For platform companies, the court advises against bundling insurance purchases with labor rights and emphasizes the need for better algorithm management to reduce occupational risks for workers [4]