Research On Occupational Injury Insurance System For Network Platform Employees

With the development of the Internet economy,more and more people choose to work on Internet platforms.Due to the flexibility and convenience of their work,Internet platform employees are characterized by non-standard labor relations.In recent years,Internet platform practitioners,such as online ride-hailing,takeaway,and express delivery,have experienced more and more cases of personal injury during their work.Due to the diversity of legal relationships between these groups,they have not been included in the traditional labor force.In the relationship-based work injury insurance system,the conflict between platform employees and platform companies regarding labor relationship determination,work injury compensation,or personal injury compensation has affected social harmony and stability to a certain extent.China's current social insurance legislation has covered all citizens with social insurance programs such as endowment and medical care.The traditional industrial injury insurance system based on labor relations has also changed in practice,especially in the construction industry.System to unbind the work injury insurance relationship from the labor relationship and break through the traditional work injury insurance legislation.Therefore,based on the nature and purpose of the work injury insurance system,Internet platform employees should be included in a unified work injury insurance system in the future,which not only protects the legitimate rights and interests of platform employees but also promotes the development of the Internet platform economy.In addition to the introduction and conclusion,this article is divided into four parts.The first part is the definition of network platform practitioners.Based on the introduction of the economic development and flexible employment of network platforms,this section defines the network platform employees,and summarizes the basic characteristics of network platform employees with strong mobility,complex composition and low level of rights protection.The second part is the generation and development of occupational injury insurance system.The background of the occupational injury system was the Industrial Revolution.Its institutional development has evolved from the initial fault liability to no fault liability.With the introduction of insurance mechanisms and social protection concepts,countries around the world have established modern occupational injury insurance systems.Since the establishment of the employee labor insurance system in the 1950 s,China has gradually established an occupational injury insurance system that is adapted to our socialist market economic system.The third part is the dilemma faced by the occupational injury insurance system for network platform employees.The diversity of legal relationships among network platform employees not only challenges the foundation of the occupational injury insurance system based on the premise of labor relations,but also challenges the current legal system of industrial injury insurance in China.No matter the target of the work injury insurance,the standards for the identification of work injury,the legislative model of enumerated work injury situations,or the management model of work injury insurance,etc.,cannot match the occupational injury protection of platform employees.The fourth part is about the future prospects of occupational injury insurance system for network platform employees.This part first expounds the theoretical basis of incorporating network platform employees into the work injury insurance system from the perspective of the construction of a social security system in the information age.Subsequently,from the increasing occupational risk accidents of network platform employees,the development of the network platform industry and the improvement of China's social insurance system,the necessity of incorporating network platform employees into the work injury insurance system was demonstrated.Thirdly,the breakthrough of labor relations in China's construction industry,the practice of incorporating construction workers into the work injury insurance system and the universal coverage of the current basic old-age and medical insurance in accordance with the project,explored the feasibility of incorporating network platform employees into the work injury insurance system.Finally,from the perspectives of expanding the object of insurance,improving the terms and methods of payment for work-related injury,it puts forward relevant suggestions for improving China's current work-related injury insurance system,and provides legislative guarantee for the inclusion of network platform employees in the work-related injury insurance system.