News 1+1丨Guangdong 8 types of specific personnel are included in the coverage of work-related injury insurance! How many people are already insured? What are the benefits?
Recently, the Guangdong Provincial Human Resources and Social Security Department issued a trial method for flexible employees to participate in work-related injury insurance, which included eight types of specific personnel into the scope of work-related injury insurance.
Will a single spark in a place become a prairie fire in the future?
Today in the "News 1+1" program, Dong Qian connected with Zhang Taihai, a second-level investigator of the Work Injury Insurance Division of the Guangdong Provincial Department of Human Resources and Social Security, and Zheng Bingwen, director of the World Social Insurance Research Center of the Chinese Academy of Social Sciences. Get out of the work injury insurance!
In 4 days, how many people and how many people successfully participated in the insurance?
Zhang Taihai: The "Methods" were formally implemented on April 1. Today is the 4th working day after the system went live.
According to statistics, at present, about 1,600 companies have applied for insurance, and 14,500 people have successfully applied for insurance.
Judging from the implementation of the new policy, the current pace of advancement should be considered acceptable.
As the policy becomes more familiar to companies, its expansion process will gradually accelerate.
It is expected that in April, which is the first month of the implementation of the "Measures", there should be about 100,000 insured persons.
What benefits can workers and enterprises get?
Zhang Taihai: As a normative document, the "methods" are effective in execution.
It does not implement the principle of compulsory insurance, but gives enterprises the right to choose voluntary insurance.
① Flexible employment can get more protection. Through policy innovation, with the help of policy advantages, low payment and high protection can be achieved.
A monthly insurance premium of 6.5 yuan is paid, but the one-time work death benefit is as high as 900,000 yuan. In addition, the dependent relatives can receive 30% of the monthly wages, and the total should be about 1.2 million to 1.5 million. .
②Disperse the risk of work-related injuries for enterprises, and at the same time provide enterprises with an effective way to spread the risk of work-related injuries. Compared with commercial insurance, the payment is lower and the compensation is higher. The medical expenses are also within the scope of the reimbursement catalog, 100% reimbursement, no cap , So as to relieve the enterprise's worries in the production and operation process.
Companies can then not worry about the problem of unpaid compensation for work-related injuries.
Through such policy advantages, to promote enterprises to take the initiative to participate in insurance.
After the policy was promulgated, the response from enterprises was very enthusiastic, and the human resources and social departments in various places have received business consultations. I think the implementation of this policy has been very effective.
14.45 million people have successfully applied for insurance. Why are there only 13 takeaway and courier personnel?
Zhang Taihai: Practitioners in new business formats such as online car-hailing, food delivery, and express labor services are all covered by our policy.
After the implementation of the policy, in fact, some platform companies have also communicated with our human resources and social departments and expressed their willingness to insure their employees.
However, as a platform company, their employees are very large. For example, a large food delivery platform has at least more than 100,000 riders in Guangdong Province. On the one hand, it needs to study and evaluate the insurance policy, and on the other hand, it needs to prepare to declare the insurance information. It will take a long time.
By focusing on this type of platform companies, we believe that in the coming time, such companies will have a relatively large increase in the number of people participating in the insurance.
What will the other provinces do next?
Zheng Bingwen: If you pass legislation to amend the "Work Injury Insurance Regulations" at the national level, it will take time. I am afraid this will not be something that can be completed in a year or a half.
At the same time, from a national perspective, if the legislation is unified, there will be a "one size fits all" problem in China's large map, with very large differences in economic and social levels.
At present, I think it is better to promote the solution "from the bottom up".
Economically developed areas can be moved first, and areas with slightly underdeveloped economies, such as the three northeastern provinces, can be released first. First, take a look at the practices and experience of developed areas, and then make changes according to their actual conditions.
All in all, I think it is necessary for each locality to act first according to their own conditions. The locality should have some legislation first, so that it can keep up with the needs of our economic development, and at the same time, the protection of labor rights and interests of workers can also keep up.
With local policies, how to make rulings reasonably and legally is also a test!
Zheng Bingwen: The policies issued by the Human Resources and Social Security Department are indeed prone to discrepancies when they reach the labor arbitration department, the courts, and the specific implementation process, because after all, they are not laws determined by legislation.
However, the legislative process will still be very long. Start with the human resources and social security departments. By formulating some policies and methods that are in line with Chinese characteristics and China's conditions, they can meet the needs of social security at the forefront of labor market development. The human resources and social security departments do so through The result of years of practice.
Therefore, local labor arbitration departments may wish to study in advance and make advance judgments. Once a labor dispute between the employer and the employee is triggered, how to make a reasonable and legal ruling under the new system?