（来源：工人日报） 本报讯（记者李国 实习生唐佳琦）前不久，重庆巴南区外卖骑手颜洪军送餐途中意外受伤后，通过人 社部门"职业伤害一键报案系统"上报工伤认定及待遇申请，平台会同人力社保部门迅速启动理赔程序， 5万多元赔偿金快速到账。他感慨："保费平台出，报案不用跑，钱直接到账，心里踏实多了！" 2月3日，记者从重庆市人力社保局了解到，作为全国首批新就业形态人员职业伤害保障7个试点省市之 一，重庆已将平台企业覆盖扩大至11家。通过打破传统劳动关系限制，创新采用"按单缴费、接单参 保"模式，实现对从业人员"劳动行为"的即时保障。截至近期，全市参保人数已突破100万人，累计1.3 万人次享受相关保障待遇。 据悉，该保障适用于在重庆通过平台注册接单，以平台企业名义提供出行、外卖、即时配送、同城货运 等服务并获得报酬的新就业形态劳动者。快递员、网约车司机、外卖员等在接单途中遭遇非主责交通事 故、突发疾病或见义勇为受伤等典型情形，均被纳入保障范围。 重庆市人力社保局工伤处相关负责人介绍，通过创新打造"渝安"职业伤害预防品牌体系，有效破解 了"听不懂、记不住、不关心"的宣传难题。打破部门与行业壁垒，创新搭建了"职能部门+平台 ...

01 五提保险 农险被寄予厚望 来源：中保新知 民以食为天，国以农为本。历年来，中央一号文件都聚焦"三农"。 2月3日，《中共中央 国务院关于锚定农业农村现代化 扎实推进乡村全面振兴的意见》（以下简 称"中央一号文件"）对外发布，这是党的十八大以来，中央连续第14年聚焦"三农"的一号文件，也 是"十五五"首个中央一号文件。 从内容看，中央一号文件明确了今年"三农"领域的"四项重点任务、两大支撑保障"，并提出"粮食产量 稳定在1.4万亿斤左右"目标。作为护航"三农"发展的农业保险，自然不能忽略。 2026年的中央一号文件五次提及保险，涉及保险产品、理赔效率、新就业形态人员的保障等。其 中，"提高保险理赔效率""推动灵活就业人员参加城镇职工基本养老保险，扩大新就业形态人员职业伤 害保障试点"是首次提及，这也将成为指导保险公司在"三农"方面发力的重要方向。 农业保险是农民种粮的"防火墙"与"安全网"，是农业支持保护体系的重要组成部分，肩负着分散风险、 解除广大农户生产后顾之忧的独特使命，是稳定农户生产积极性、保障粮食和重要农产品安全供给的重 要金融工具。 随着我国粮食安全、乡村振兴战略的纵深推进，农业保险也获得了快 ...

Group 1 - The core viewpoint of the news is the continuous strengthening of social security fund regulation and investment operations in China, with significant progress reported for 2025 [1] Group 2 - As of the end of 2025, the cumulative balance of the three social security funds reached 10.2 trillion yuan, with total income of 9.1 trillion yuan and total expenditure of 8.1 trillion yuan for the year [2] - The number of participants in basic pension, unemployment, and work injury insurance reached 1.076 billion, 249 million, and 305 million respectively, showing increases of 3.16 million, 3.29 million, and 1.02 million compared to the previous year [2] - The entrusted investment scale of the basic pension insurance fund exceeded 2.98 trillion yuan by the end of 2025 [2] Group 3 - A pilot program for occupational injury protection for new employment forms has been expanded, with a cumulative insured population of 25.1 million by the end of 2025 [3] Group 4 - A nationwide spring recruitment event will be launched in April to assist college graduates in finding jobs before graduation, combining online and offline efforts to create a platform for job seekers and employers [4] - After graduation, a focused recruitment and employment service campaign will be conducted to enhance policy promotion and job matching for unemployed graduates [4] Group 5 - Local authorities will enhance the scrutiny of job postings on online platforms, implementing administrative measures against illegal information to ensure compliance and protect job seekers' rights [5] - The Ministry of Human Resources and Social Security, along with other departments, has issued a notice to regulate the publication of recruitment information on online platforms, emphasizing the responsibility of platforms to ensure compliance [5][6] Group 6 - Responsibilities outlined for online platforms include ensuring recruitment information is standardized, verifying user identities, and managing accounts to prevent illegal activities [6] - Platforms are required to establish risk identification models and quick response mechanisms for complaints, ensuring timely intervention for accounts involved in violations [6]

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]

Core Viewpoint - Hainan Province is implementing multiple measures to stabilize employment, promote development, and improve people's livelihoods, focusing on high-quality development of human resources and social security [3][4][6]. Employment Stabilization and Development - The 2025 State-owned Enterprise Job Fair in Hainan is part of a series of large-scale recruitment activities aimed at addressing employment challenges [3]. - Hainan has established 261 employment service stations to support free skill training for workers and has organized over a thousand public recruitment events annually [3][5]. - The province is prioritizing youth employment, particularly for college graduates, with initiatives like the "Employment Bureau Director Goes to Campus" program [5][6]. Social Security System Reform - Hainan is advancing social security reforms, including the introduction of new occupational injury protections for gig economy workers, which has benefited over 381,300 individuals [10][11]. - The province has expanded the coverage of occupational injury insurance to include various new employment forms, ensuring better protection for workers [12][13]. Talent Resource Allocation - Hainan is focusing on skill competitions to enhance the quality and quantity of skilled labor, with significant achievements in national skill competitions [14][15]. - The province is aligning vocational training with the needs of emerging industries, particularly in artificial intelligence and renewable energy sectors [18]. Labor Relations and Wage Protection - Hainan aims to achieve a "zero wage arrears" goal by implementing a comprehensive wage protection mechanism, including an "8+1" system to prevent wage defaults [21][22]. - The province has established a collaborative approach to wage protection, involving multiple government departments to address wage issues effectively [22].

Employment and Social Security Achievements - During the "14th Five-Year Plan" period, China's employment situation has remained generally stable, with a total of 59.21 million new urban jobs created by the end of August, exceeding the target of 55 million [1] - The average urban survey unemployment rate over the past four years was 5.3%, lower than the expected control target of 5.5% [1] - The number of people covered by basic pension insurance reached 1.072 billion, an increase of over 73 million compared to the end of the "13th Five-Year Plan," with the coverage rate rising from 91% to over 95% [1] New Employment Forms and Rights Protection - The scale of new employment forms, such as delivery workers and ride-hailing drivers, has been expanding, prompting the Ministry of Human Resources and Social Security to explore and improve rights protection systems [2] - Specific policies have been introduced to protect the rights of new employment form workers, including guidelines for labor contracts, rest and remuneration rights, and labor rule disclosure [2][3] - A pilot program for occupational injury protection has been launched in seven provinces, covering four industries, with over 20 million new employment form workers participating in the insurance [3] Social Security Fund Management - The basic pension insurance fund has achieved positive returns for eight consecutive years, with an average annual investment return rate of 5.15% [6] - The scale of the basic pension insurance fund investment operation reached 2.6 trillion, doubling from the end of the "13th Five-Year Plan" [6] - The national social security fund has grown to 3.22 trillion, with an average annual investment return rate of 7.55% since its establishment [7]

Employment and Social Security Achievements - The "14th Five-Year Plan" has achieved significant results in employment and social security, with urban new employment reaching 59.21 million by the end of August, exceeding the target of 55 million [1][4] - The unemployment rate for urban youth aged 16-24 was reported at 18.9% in August, reflecting a 0.1 percentage point increase year-on-year and a 1.1 percentage point increase from the previous month [2] New Employment Forms and Rights Protection - The rise of new employment forms, such as delivery workers and ride-hailing drivers, has led to a growing need for occupational injury protection, with pilot programs initiated in seven provinces since 2022 [5][7] - Over 20 million new employment form workers have participated in occupational injury insurance in pilot areas, with the program expanding to 17 provinces [7] Skills Training and Employment Services - The government is implementing a "1131" service model for graduates, providing multiple support services to enhance employment opportunities [2] - A large-scale vocational skills training initiative aims to train 30 million people over three years, addressing the skills mismatch in the labor market [3] Social Security Fund Growth - The total scale of social insurance funds during the "14th Five-Year Plan" reached 69.27 trillion yuan, with a cumulative surplus of 9.81 trillion yuan [10] - The basic pension insurance fund's investment scale has doubled to 2.6 trillion yuan, achieving an average annual return of 5.15% since its investment operations began [11] National Social Security Fund Development - The National Social Security Fund has grown to 3.22 trillion yuan, with an average annual return of 7.55% since its establishment [13] - The government is committed to enhancing the sustainability of the pension insurance system through the transfer of state-owned capital to the social security fund [13]

Employment and Social Security Achievements - The "14th Five-Year Plan" has achieved significant results in employment and social security, with urban new employment reaching 59.21 million by the end of August, exceeding the target of 55 million [1][6] - The unemployment rate for urban youth aged 16-24 was 18.9% in August, reflecting a slight increase from the previous year and the previous month [3] Employment Policies and Initiatives - The government is focusing on the employment of college graduates, with over 10 million graduates entering the job market annually since 2022 [3] - A "1131" service model has been implemented to provide comprehensive support for unemployed graduates, including policy guidance and job recommendations [3] Skills Training and Labor Market Dynamics - There is a mismatch in labor supply and demand, particularly in emerging sectors like the low-altitude economy, where a significant talent gap exists [5] - A large-scale vocational skills training initiative aims to train 30 million people over three years, targeting various groups including enterprise employees and migrant workers [5] Social Security System Enhancements - The social security system has been further improved, with the number of basic pension insurance participants reaching 1.072 billion, an increase of over 73 million since the end of the 13th Five-Year Plan [11] - The investment scale of the basic pension insurance fund has doubled to 2.6 trillion, achieving an average annual return of 5.15% [12] New Employment Forms and Protection - New employment forms, such as delivery workers and ride-hailing drivers, are expanding, prompting the need for innovative occupational injury protection measures [8] - Pilot programs for occupational injury protection have been successfully implemented in seven provinces, with plans to expand to 17 provinces [8][9]

Group 1: Employment Opportunities in the Insurance Industry - The insurance industry is actively responding to the "stabilizing employment and benefiting people's livelihoods" policy by creating over 6,300 job positions for the 2026 graduates [1] - The recruitment demand for fresh graduates in the insurance sector has remained high, with companies like China Life Insurance and Ping An offering thousands of positions [1][2] - The industry has developed a diversified job system, covering traditional core business roles and emerging technology and management positions, catering to various professional backgrounds [2] Group 2: Support for Small and Micro Enterprises - The insurance industry provides customized insurance products to small and micro enterprises, helping them transfer operational risks and stabilize their business, thereby indirectly safeguarding employment [3] - Recent years have seen the introduction of various insurance products aimed at small businesses, addressing their coverage gaps [3] - Insurance companies are exploring innovative service models to offer comprehensive protection for small enterprises across multiple sectors [3][4] Group 3: Expanding into New Employment Forms - The insurance sector is expanding its services to cover new employment forms, such as providing targeted accident insurance for migrant workers [5] - The industry has made significant progress in offering occupational injury protection for new employment forms, with pilot programs expanding across multiple provinces [6] - The development of new insurance products, such as long-term care insurance and green insurance, is creating new job opportunities and driving growth in related training sectors [6]

Core Viewpoint - The implementation of occupational injury insurance for new employment forms in China is expanding, providing essential protection for workers in the gig economy, particularly in the transportation and delivery sectors [2][3][4]. Group 1: Background and Implementation - The pilot program for occupational injury insurance began on July 1, 2022, in seven provinces, covering platforms like Cao Cao Travel, Meituan, and Huolala, with a total of 12.35 million insured individuals expected by June 2025 [2]. - The program will expand to ten additional provinces and more platforms starting July 1, 2025, with plans for nationwide coverage by 2026 [2][3]. - The insurance allows workers to receive benefits without establishing a formal labor relationship with the platforms, enhancing accessibility for gig workers [2][3]. Group 2: Financial Aspects - The payment standards for the insurance are set at 0.01 yuan per ride for transportation, 0.07 yuan per order for instant delivery, and 0.18 yuan per order for same-city freight, ensuring a balanced income and expenditure model [3]. - The funds will be managed under a unified work injury insurance fund, promoting financial stability within the program [3]. Group 3: Impact on Workers and Industry - The introduction of occupational injury insurance is seen as a significant support for drivers and workers in the gig economy, helping them recover from injuries and return to work [3][4]. - The program is expected to reduce labor disputes by providing a safety net for workers, thereby enhancing job security and reducing turnover rates in the industry [3][4]. - The insurance initiative is anticipated to foster healthy competition among platforms, leading to improvements in service quality and working conditions [4].