（央视财经《经济信息联播》）近日，人社部、交通运输部、市场监管总局等五部门部署开展专项行动。集中解决外卖骑手、网约车司机等群体的权益保障 问题，其中，"新职伤"就是为这一群体量身定制的职业伤害保障服务。 货车司机路金阳近几年一直在一家货运平台上接单、拉活儿，前不久在一次拉货时手部受伤。做完手术后，路金阳在所在平台工作人员的指导下，申请 了"新职伤"报销。 货运司机 路金阳：做完手术的时候，把所有发票全部提交给人社部门。大概一个月的时间，赔偿的7000多元就打到账户里了。 所谓的"新职伤"，是专门针对新就业形态就业人员出台的职业伤害保障，该保障方式采用"平台出资、按单缴费、每单必保、每人必保"的原则，为灵活就业 群体提供工作意外风险保障。与传统的商业意外险不同的是，"新职伤"保障无需个人承担费用，全部由平台出资，由主管部门指导实施，不区分全职与兼职 身份，适应了新就业形态就业人员过渡性、灵活性的劳动特征。2022年，在人社部牵头指导下，全国7家平台企业参与了这一保障的试点工作。目前，试点 在北京、上海、四川、重庆、广东、海南、江苏7个省市实施。 某货运平台市场负责人 王宫：目前我们平台已经为司机职伤保投入了1. ...

"五一"国际劳动节来临之际，是致敬劳动者的时刻，更是关注劳动者权益保障的契机。 数字经济蓬勃发展，快递员、外卖员、货车司机等新就业形态大量涌现，催生了规模庞大的 新就业群体。为保障这一群体的职业伤害权益，自2022年7月起，国家在北京、上海、四川等 7省市的美团、货拉拉、曹操出行等7家平台企业开展新就业形态人员职业伤害保障（简称"新 职伤"）试点。今年全国两会期间，人社部表示，准备将"新职伤"试点省份从7个增加到17个， 并逐步推动在全国实施。 新就业群体是美好生活的创造者，也是美好生活的追求者。其中，货车司机群体撑起了货运 物流体系，是货运行业的主力军，为经济发展、民生改善作出重要贡献。从货拉拉了解到， 目前货拉拉"新职伤"试点累计投入超过1.2亿元，保险累计覆盖160万新老司机，平台协助申请 理赔司机超过1000名，单起案例最高赔付额度超过百万元。 "新职伤"试点背后的赔付故事 过去3年，货拉拉在"新职伤"试点工作中积累了丰富的经验，为"新职伤"如何护航新就业群体 权益提供了生动实践。 从覆盖人数来看，货拉拉通过不断优化参保流程、加强政策宣传，吸引了超160万货车司机等 新就业劳动者参与"新职伤"试点，覆 ...

Core Viewpoint - The Beijing Financial Court has held a press conference to introduce the case handling situation regarding the insurance rights of new economy workers, highlighting eight typical cases that address the complexities and challenges in ensuring these rights in the rapidly evolving gig economy [1][2]. Group 1: Identification of Actual Insured Parties - The court clarified the rules for identifying actual insured parties in new economy insurance, emphasizing the complexity of insurance contracts due to multiple subcontracting and extended transaction chains [2]. - A case involving a dispute between an insurance company and a rider demonstrated the application of "penetrating" judgment to identify the rider as the actual insured party, resulting in a compensation of 600,000 yuan to the rider's legal heirs [2][3]. Group 2: Clarification of Responsibilities and Insurance Types - The court addressed the relationship between new occupational injury insurance and commercial insurance, confirming that new economy workers can claim compensation from both types of insurance [3]. - In another case, it was established that employees could still claim compensation from group accident insurance even after the employer fulfilled their civil liability, thereby protecting workers' rights [3]. Group 3: Insurance Company Practices - The court criticized insurance companies for their "easy entry, strict exit" practices and formalistic underwriting behaviors, ruling that insurers cannot void contracts based on the insured's occupation if they waived underwriting [3][4]. - This ruling aims to encourage the insurance industry to strengthen integrity and operate in a more standardized manner [3]. Group 4: Protection of Insurance Interests - The court recognized the insurance interests of insured parties in cases of "mixed employment" among related companies, which complicates the identification of actual employment relationships [4]. - The court also clarified the relationship between employer liability insurance and additional 24-hour accident insurance, stating that claims should be based on the primary insurance's liability conditions [4]. Group 5: Review of Insurance Clauses - The court emphasized the need for strict examination of special clauses in insurance policies that limit coverage, ensuring that such clauses are mutually agreed upon [4]. - This move aims to promote transparency in insurance terms and prevent insurers from evading responsibilities under the guise of special agreements [4]. Group 6: Application of Causation Principles - The court explained the application of the "proximate cause principle" in cases of refusal to pay due to unlicensed driving, stating that insurers cannot deny claims if the cause of the accident is not directly related to the exempted behavior [5][6]. - This clarification provides a legal framework for similar cases, requiring insurers to meet both formal validity and substantial relevance criteria when applying exemption clauses [6]. Group 7: Overall Impact - The release of these typical cases reflects the Beijing Financial Court's commitment to protecting the insurance rights of new economy workers and promoting high-quality development in the new economy [6].