近年来，北京市在出行、外卖、即时配送和同城货运等风险较高的行业，实施职业伤害保障制度，适应 新就业形态自由灵活、流动性大、线上接单等特点，采取按单缴费的参保模式，由平台企业负担支出。 目前，北京市职业伤害保障已覆盖出行、即时配送、同城货运3个行业、21家企业的157.28万名新业态 劳动者，有力保障了外卖员、网约车司机等群体的合法权益，有效分散了平台企业的用工风险。（记者 潘俊强） 《人民日报》（2026年01月06日13版） 责编：秦雅楠、王瑞景 在北京市海淀区，骑手小单在送餐途中发生交通事故，造成骨折。小单在平台企业APP上发起"一键报 案"，到医院就诊处理后，回家静养。他在线上提交了职业伤害保障伤残待遇申请表、知情同意确认 书、诊断书、收费票据和事故责任认定书等5项材料。海淀区职业伤害保障部门协同商业保险机构对接 平台企业开展事故调查，确认为"小伤"后，立即启动快赔流程，小单当日便收到了302元的医疗报销费 用。 面向外卖员、网约车司机等新业态劳动者，北京在全市范围内推行职业伤害"小伤快赔"。据北京市工伤 保险事务管理中心主任董明介绍，"小伤"是指符合职业伤害确认情形，仅在北京市门（急）诊就医且不 需要 ...

Core Points - Beijing has launched a "Quick Compensation for Minor Injuries" model aimed at gig economy workers such as delivery personnel and ride-hailing drivers, allowing for online reimbursement of minor medical expenses, significantly reducing claim processing time [1][3][5] Group 1: Implementation of the Model - The "Quick Compensation" model is designed for minor injuries that occur during work, specifically those that do not require hospitalization and have clear documentation, benefiting over 1.57 million gig workers across 21 companies in the delivery and transportation sectors [3][5] - The model simplifies the claims process by reducing the required documentation from 10 items to 5, allowing for full online submission, thus enhancing convenience for workers [5][7] Group 2: Operational Efficiency - The model focuses on three key review elements: amount, medication list, and treatment area, streamlining the materials required for claims [7][8] - The frequency of compensation payments for minor injuries has been optimized from three times a month to once daily, improving the efficiency of benefit disbursement [9]

Core Points - Beijing has launched a "Quick Compensation for Minor Injuries" model aimed at gig economy workers such as delivery personnel and ride-hailing drivers, allowing for online reimbursement of minor medical expenses, significantly reducing claim processing time [1][3][10] Group 1: Implementation Details - The "Quick Compensation" model covers three industries: transportation, instant delivery, and local freight, benefiting over 1.57 million gig workers in Beijing [3] - "Minor injuries" are defined as those that do not require hospitalization, are clear-cut, and have no disputes regarding responsibility, allowing for expedited processing [3][5] - The model simplifies the claims process by reducing the required documentation from 10 items to 5, all of which can be submitted online, enhancing convenience for workers [6][8] Group 2: Operational Efficiency - The claims process includes six steps: reporting, medical treatment, and application, with the material submission phase being notably complex and time-consuming [6] - The new model focuses on three core review elements: amount, medication list, and treatment area, streamlining the material requirements and allowing for electronic submissions [8] - The frequency of compensation payments for minor injuries has been optimized from three times a month to once daily, improving the efficiency of benefit disbursement [10]