作者 | 闰然 统筹 ｜ 张鹏霞 视觉 | 顾芗 对于数百万穿梭于城市间的骑手而言，"我在哪里交社保？"曾是一个现实的难题。如今，答案由他们自 己书写。 2025年10月27日，美团宣布骑手养老保险补贴将正式覆盖全国，向全部骑手开放。美团全国骑手可凭个 人意愿，选择在熟悉的家乡或奋斗的城市参保，美团以相关缴费基数为基准，补贴50%的费用。值得注 意的是，所有保障福利，向全国、全平台、全类型的骑手开放，预计将覆盖数百万人。 ，， 这一重大进展，极大提升了骑手的保障水平。 社会保障的核心困境，深藏于"应然"的理想与"实然"的局限之间：在资源约束下，我们究竟该追求少数 群体的保障完备性，还是多数群体保障的可得性？ 2025年的外卖市场，为我们提供了一些不一样的尝试方案。 京东选择了前者。截至今年8月19日，京东官方发布数据，京东外卖全职骑手已突破15万人，公司为他 们全部缴纳五险一金且承担所有费用。 这套方案标准极高，堪称典范，但其代价是将兼职骑手隔绝在保障大门之外。 美团则走上了一条看似更"笨重"的普惠之路。其核心是"养老保险补贴"，由骑手自己决定——平台补贴 一半，骑手自主缴纳一半，不管你今天在哪个城市、为哪个 ...

Core Viewpoint - The rapid development of platform economy has led to a significant increase in the number of new employment form workers, such as delivery riders and ride-hailing drivers, resulting in frequent insurance rights disputes for these workers [1] Group 1: Legal Cases and Rulings - The Beijing Financial Court published eight typical cases to protect the insurance rights of new employment form workers, including two cases related to delivery riders' occupational injury insurance disputes [1] - In the first case, a delivery rider who purchased a "one-day insurance" died suddenly, and the insurance company refused to pay compensation, claiming the policyholder was the platform partner and the death did not meet work conditions. The court ruled that the rider was the actual policyholder and ordered the insurance company to pay 600,000 yuan [3][4] - In the second case, a delivery rider who was injured while delivering food received a one-time disability compensation from the new employment occupational injury insurance but was denied commercial accident insurance compensation. The court ruled that both types of insurance could be claimed simultaneously, clarifying that social insurance and commercial insurance serve complementary roles [5][8] Group 2: Judicial Considerations and Implications - The cases highlight the need to clarify the identification rules of actual policyholders in new employment form insurance, as the complex transaction structures complicate the identification of real insurance relationships [7][8] - The court's rulings provide a significant precedent for protecting the rights of new employment form workers and offer guidance for compliant operations within the insurance industry [8]