新业态从业者职业伤害保险制度之构建

The Construction of Occupational Injury Insurance System for New Business Practitioners

目前,工伤保险制度尚未覆盖新业态从业者群体,试点中的纳入性模式没有后续的制度演进空间,商业保险模式难以提供全面充分之救济。因此,在具体制度设计上应由平台与从业者作为共同的缴费义务主体,探索职业伤害风险的“任务化”认定模式,依据单次劳务给付行为建立职业伤害认定标准。合理确定职业伤害保险的待遇内容,实现制度筹资与支付的动态平衡,最终促进平台经济与新业态从业者权益保障的协调发展。

At present,the industrial injury insurance system has not covered this group,and there is no room for subsequent institutional evolution in the pilot model,so it is difficult for the commercial insurance model to provide comprehensive and sufficient relief.It is also in line with the principle of substantive fairness to provide externalized solutions to the occupational risk sharing needs of such groups.In the specific system design,in view of the autonomy characteristics of practitioners,the platform and practitioners should be the common subject of payment obligations;We should explore the“task-based”identification mode of occupational injury risk,and establish the occupational injury identification standard according to the single labor service payment behavior.Determine the treatment content of occupational injury insurance reasonably,realize the dynamic balance between system financing and payment,and finally realize the coordinated development of platform economy and the protection of the rights and interests of employees in the new format.