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| 骑手从业人员保险缺失
摘要
随着互联网技术在经济领域不断应用，各种新型经济业态岗位不断涌现，对服务的要求也逐渐提高。由于法律存在缺失，目前的劳工关系并不明确，目前实践中存在劳动关系和雇佣关系两种用工关系，认定为劳动关系的才有工伤保险，认定为雇佣关系的只有商业保险，如人身意外险或者雇主责任险。再加上用工平台对时效的要求，外卖从业人员实际上处于高风险的工作环境当中。保险对于外卖人员的保障事实上处于窘境。对于外卖送餐人员来说，工伤保险较之于商业保险，具有保障范围广、门槛低的特性。但是，现实中在落实外卖送餐人员的工伤保险方面存在很多问题，比如，成本高，很多单位或者企业没有开户，转移困难、工伤认定程序复杂等，使外卖送餐人员在实践操作中不能有效行使权利。而对于商业保险来说，主要由保险保障额度不足、免赔责任与免赔率高以及保费难以负担等问题，导致需求不高。本文将从对我国目前的外卖行业发展背景开始，结合我国目前工伤保险的应用现状以及商业骑手保险的现实状况进行分析，认为可以从以下几个方面为如何使外卖行业人员得到合理保障提出适当的措施建议：一是加强对平台的监管，敦促平台方对外卖时效进行合理估计，以此减轻从业人员的派送压力，从源头上解决和降低其从业风险，提高安全意识。二是运用分层保费机制，将保费的厘定与从业者行为挂钩，倒逼从业人员注意安全防范与道路交通安全。
关键词：外卖行业、工伤保险、经济新业态、保险额度
Abstract
With the continuous application of Internet technology in the economic field,the lack of insurance for employees in new economic formats is a new problem. In practice, there are only two kinds of labor relationship insurance, such as employment injury insurance and delivery insurance. Compared with commercial insurance,industrial injury insurance has a wide range of protection and great strength. However, in reality, there are many problems in the implementation of work-related injuryinsurance for takeaway workers, such as high cost,many units or enterprises do not open an account, difficult transfer, complex work-related injury identification procedures, etc., which make takeaway workers unable to effectively exercise their rights in practice.The lack of insurance for employees is serious,mainly due to insufficient insurance coverage and deductible Responsibility and high deductible ratio. This paper will start from the development background of the takeaway industry in China,combined with the current situation of industrial injury insurance and commercial riderinsurance, and give some suggestions on how to make the takeaway industry personnel get reasonable protection.
Key words: takeout industry；new economic format；insurance amount
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