灵活就业急需灵活保障

Core Insights - The scale of flexible employment in China has exceeded 200 million people, highlighting the need for diversified employment options while also presenting risks related to work accidents due to the lack of stable labor relations [1][2][3] - Ningbo has pioneered a universal commercial insurance product called "Linghu Bao," which addresses the risks faced by flexible workers by offering flexible, on-demand insurance coverage that is not limited by industry, job type, or residency [1][3] Group 1 - The "Linghu Bao" model provides significant benefits for flexible workers, allowing for easy enrollment and online claims processing, with compensation available by the second working day [1][3] - Since its implementation, "Linghu Bao" has provided over 300 billion yuan in risk coverage to nearly 500,000 individuals, demonstrating its effectiveness in enhancing personal accident protection for flexible workers [1][3] Group 2 - The existing social security systems are inadequate for the diverse and complex employment forms emerging in the digital economy, leading to low participation rates among flexible workers due to high costs and various barriers [2][3] - There is a pressing need to address the insurance challenges faced by over 200 million flexible workers, with the "Linghu Bao" model serving as a potential template for broader implementation across other regions [3]