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 Insights - The Hainan province has successfully implemented a pilot program for occupational injury protection for new employment model workers, with over 1 billion orders processed and a total of approximately 24.3 million yuan in benefits paid out [2][3] Group 1: Program Overview - The pilot program for occupational injury protection began on July 1, 2022, with Hainan being one of seven trial provinces [2] - A total of 11 platform companies, including Meituan, Ele.me, and Didi, have been included in the pilot, covering various services such as delivery and transportation [2] - The program has provided coverage for approximately 396,800 new employment model workers [2] Group 2: Payment and Benefits - The payment for occupational injury protection is based on a variable fee structure, with companies contributing between 0.01 yuan to 0.25 yuan per order, calculated monthly [2] - Workers are eligible for benefits such as medical expenses, rehabilitation costs, disability allowances, and living care fees if they suffer injuries while performing platform services [3] - The review process for injury claims has been streamlined, with a standard confirmation time of 30 working days, and expedited processes for minor injuries [3] Group 3: Future Plans - During the 14th Five-Year Plan period, Hainan aims to expand the coverage of the occupational injury insurance system to include more categories of workers, such as delivery personnel and interns [3]

山城重庆，爬坡、转弯、过坎，又送达一单。 "骑慢点儿哈，摔了看哪个管你？"自从当起外卖员，伍远义每天出门时，家人总是这样叮咛。 但现在有点不一样——"有'新职伤'管！"伍远义骑着新买的摩托车，穿行在大街小巷，"路上稳，心更 稳。" 伍远义口中的"新职伤"，指的是专门面向新就业形态人员的职业伤害保障：不需签订劳动合同，按单计 费、按月订单量申报缴费，由平台企业直接支付。 习近平总书记强调："加强灵活就业和新就业形态劳动者权益保障，扩大职业伤害保障试点，及时总结 经验、形成制度。" 2022年7月，我国开展首批新就业形态人员职业伤害保障试点，重庆是7个试点省份之一。如今，职业伤 害保障试点范围扩大到17个省份，累计参保人数超过2200万人。 前不久，伍远义在送外卖途中不慎摔伤了腰，他试着在平台一键申报了"新职伤"，很快接到来电："审 核通过，医疗费3天内到账。" 伤好后，伍远义干得更起劲，"努力跑一个月，能赚回买摩托车的本钱。" 摆开桌子听意见。"我妻子干家政，啥时能纳入政策？"一个大哥嗓门亮。"审核环节还能再快些不？"一 个大姐接话茬……你一言，我一语，说着掏心窝子的话。 不停记录的，除了相关部门的工作人员，还 ...

Group 1 - The provincial human resources and social security department has launched a list of measures to optimize the business environment, focusing on employment security, social security, talent management, and labor relations, implementing ten service measures to enhance satisfaction among businesses and the public [1] - A dedicated employment specialist system will be established to provide personalized "one-on-one" employment services for enterprises, along with a mechanism to track policy implementation and improve the efficiency of employment subsidies [1] - The integration of employment services related to enterprises will be optimized, promoting a "one-stop" service for job matching, subsidy applications, and skills training [1] Group 2 - New employment forms will be included in occupational injury protection services, with a focus on industries such as ride-hailing, instant delivery, and local freight, and a mechanism for handling occupational injury claims will be improved [2] - A comprehensive reemployment support service for the unemployed will be implemented, integrating various services such as unemployment registration, insurance claims, job recommendations, and skills training into a streamlined process [2] - An intelligent service for unemployment insurance claims will be introduced, providing customized and precise guidance for applicants [2] Group 3 - Social insurance services will be enhanced with policies like "direct payment" and "enjoy without application," including a temporary reduction in unemployment insurance rates to alleviate burdens on businesses [3] - The standard for work injury insurance rates will be adjusted to support enterprises in overcoming difficulties [3] - The optimization of social security handling services will include a pre-review system for early retirement applications and a reduction in processing times for various social security matters [3]

Core Viewpoint - Beijing is implementing a "small injury quick compensation" model for gig economy workers, significantly reducing claim processing time and allowing for online reimbursement of medical expenses for minor injuries [1][3]. Group 1: Policy Implementation - The "small injury quick compensation" model targets gig economy workers such as delivery personnel and ride-hailing drivers, allowing for online processing of medical expense reimbursements for minor injuries [1][5]. - The model is designed for injuries that do not require hospitalization and have no long-term impact on the worker's ability to work, such as soft tissue injuries and sprains [5]. Group 2: Coverage and Impact - The occupational injury insurance in Beijing currently covers 21 companies across three industries: transportation, instant delivery, and local freight, benefiting over 1.57 million gig economy workers [3]. - Cases that meet the criteria for "small injury quick compensation" will be prioritized and tracked by dedicated personnel, ensuring efficient processing [3].

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]

Core Insights - Beijing has implemented a work injury protection system since July 2022, covering high-risk industries such as transportation, food delivery, and local freight, with 21 platform companies participating and 1.57 million insured individuals [1] Group 1: Work Injury Protection System - The work injury protection system is designed to accommodate the characteristics of new employment forms, including flexibility and high mobility, using a pay-per-order insurance model funded by platform companies [1] - Workers injured during work can have their medical and rehabilitation expenses covered by the work injury insurance fund, and families of workers who die from work-related injuries receive compensation equivalent to work injury insurance benefits [1] Group 2: Impact and Statistics - Over the past three years, the city has confirmed 11,800 cases of work-related injuries and has provided relevant benefits to more than 7,700 workers [1] - The system employs a floating rate based on the accident rate of platform companies, encouraging them to prioritize work injury prevention through safety training and improved safety measures [1]

Group 1 - The core viewpoint of the article highlights the implementation of a professional injury insurance system in Beijing since July 2022, aimed at high-risk industries such as transportation, food delivery, and local freight [1] - The system has covered 21 platform enterprises and insured a total of 1.57 million individuals, adapting to the characteristics of new employment forms that are flexible and highly mobile [1] - The insurance model is based on a pay-per-order system, with platform companies bearing the costs, ensuring that workers injured during work can have their medical and rehabilitation expenses covered by the work injury insurance fund [1] Group 2 - Over the past three years, the city has confirmed a total of 11,800 cases of occupational injuries, with over 7,700 workers receiving related benefits [1] - The professional injury insurance system employs a floating rate based on the accident rate of platform companies, encouraging them to prioritize injury prevention through safety training and improved safety measures [1] - The initiative aims to reduce the incidence of accidents at the source by optimizing order mechanisms and enhancing safety protocols [1]

Group 1 - The core viewpoint of the articles emphasizes the establishment of a comprehensive occupational injury protection system for new employment forms, which is a pressing need for workers in the gig economy [1][2] - As of September, over 22 million individuals have been included in the occupational injury protection pilot program, with 11 platform companies participating across 17 provinces [2] - By 2026, the pilot program for occupational injury protection for new employment forms will expand to all provinces in China, covering the delivery, instant logistics, and local freight industries [2] Group 2 - The new occupational injury protection system will not require a traditional labor relationship for participation, focusing instead on the order as the key element, with innovative methods such as daily insurance and order-based fees [1] - Experts suggest further optimization of the system design, enhancement of operational efficiency, and strengthening of technical support to ensure comprehensive protection for gig workers against various occupational injury risks [2]