31-012 · EVIDENCE A · SOURCE-SENSITIVE
Food delivery workers, ride‑hailing drivers, and local freight carriers all get occupational injury coverage paid for by the platform on a per‑order basis — at no cost to them.
送外卖、跑网约车、拉同城货运，平台按单给你交职业伤害保障费，自己不缴
Zero out‑of‑pocket expense; the platform bears the entire premium. Your only task is to verify whether the platform you use is part of the pilot program. Two easy ways to do this: check the “Occupational Injury Coverage” section in the app’s benefits page, or call your provincial Human Resources and Social Security Bureau to ask if the platform is enrolled.
Platforms must pay occupational injury insurance premiums for every order placed by delivery workers, ride‑hailing drivers, and local freight carriers — none of that cost falls on the workers themselves. This is still a pilot scheme, so before accepting any orders, confirm that both your province and your platform are included. Workers who already have a formal employment contract with a platform are covered under regular workers’ compensation, not this program.
A
Move “Food delivery workers, ride‑hailing drivers, and local freight carriers all get occupational injury coverage paid for by the platform on a per‑order basis — at no cost to them.” to Future Me's calendar
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What the source says
The source summarizes the return this way: “Platforms must pay occupational injury insurance premiums for every order placed by delivery workers, ride‑hailing drivers, and local freight carriers — none of that cost falls on the workers themselves. This is still a pilot scheme, so before accepting any orders, confirm that both your province and your platform are included. Workers who already have a formal employment contract with a platform are covered under regular workers’ compensation, not this program.” Evidence grade A. The original states the population, caveats, and sources; this is not a personal forecast.
Use the original facts and limits. For an urgent medical, safety, financial, or legal issue, contact a qualified local professional or service.
THE ENGLISH EDITION
Original recommendation and evidence
12. Food delivery workers, ride‑hailing drivers, and local freight carriers all get occupational injury coverage paid for by the platform on a per‑order basis — at no cost to them.
Cost: Zero out‑of‑pocket expense; the platform bears the entire premium. Your only task is to verify whether the platform you use is part of the pilot program. Two easy ways to do this: check the “Occupational Injury Coverage” section in the app’s benefits page, or call your provincial Human Resources and Social Security Bureau to ask if the platform is enrolled.
In plain terms: Platforms must pay occupational injury insurance premiums for every order placed by delivery workers, ride‑hailing drivers, and local freight carriers — none of that cost falls on the workers themselves. This is still a pilot scheme, so before accepting any orders, confirm that both your province and your platform are included. Workers who already have a formal employment contract with a platform are covered under regular workers’ compensation, not this program.
Benefit: The coverage is governed by the “Interim Measures for Occupational Injury Insurance for Workers in New Forms of Employment.” Article 2 states: “Platform enterprises shall enroll in occupational injury insurance for new‑form workers as required by these measures… ensuring coverage for every order and every worker who registers via the platform and receives compensation for services such as ride‑hailing, delivery, and local freight.” Article 9 specifies premium rates during the trial phase: 0.01 yuan per order for ride‑hailing, 0.07 yuan and 0.25 yuan per order for delivery, and 0.18 yuan per order for local freight. Starting July 1 2025, the pilot expanded to ten additional provinces, and by 2026 it is slated to cover all 31 provinces and the Xinjiang Production and Construction Corps.
Evidence grade: A
Sources: Ministry of Human Resources and Social Security of China and nine other ministries (2025). Notice on Expanding the Pilot Program of Occupational Injury Protection for Personnel in New Employment Forms (Ministry of Human Resources and Social Security of China [2025] No. 24) and the attachment "Measures for Occupational Injury Protection for Personnel in New Employment Formations (Trial)" Article 2, 9. <https://www.gov.cn/zhengce/zhengceku/202507/content_7031656.htm>
Notes: This remains a pilot program, not a nationwide mandatory system. Before taking any orders, verify that your province and platform are part of it; otherwise you’ll need to purchase private insurance on your own. The “Guiding Opinions on Protecting Labor Rights of Workers in New Forms of Employment” also mandates that platforms pay wages no lower than the local minimum, pay on time and in full, and provide fair compensation on statutory holidays. The document’s reference number is HRSSB [2021] 56; it is cited in Rule 11 of this section regarding flexible-employment workers. In any dispute, follow these rules rather than settling privately with the platform. For medical insurance and pension contributions, flexible-employment workers must enroll separately — see Rule 11 of this section for details.
Read the complete Chinese source and notes
12. 送外卖、跑网约车、拉同城货运，平台按单给你交职业伤害保障费，自己不缴
成本: 不花钱，这笔钱由平台缴。你要做的是查自己接单的平台在不在试点里。办法有两个：在 App 的保障或权益页面找「职业伤害保障」，或者打本省人社局的电话，问这家平台报没报。
说人话: 送外卖、跑网约车、拉同城货运的人，平台要按单替你缴职业伤害保障费，你自己一分钱不出，每接一单就保一单。这还是试点，接单前先查自己所在的省份和平台在不在范围里。已经和平台建立劳动关系的，走工伤保险，不走这套。
收益: 这项保障看《新就业形态人员职业伤害保障办法（试行）》。第二条写着：「平台企业应当依照本办法规定参加新就业形态人员职业伤害保障……为通过平台注册并接单，以平台企业名义提供出行、即时配送和同城货运等劳动并获得报酬或者收入的新就业形态人员缴纳职业伤害保障费，实现每单必保、每人必保。适用《工伤保险条例》规定的劳动者，企业应当依法为其参加工伤保险，不适用本办法」。第九条：「试行期间，出行行业按照每单 0.01 元执行；即时配送行业按照每单 0.07 元、0.25 元执行；同城货运行业按照每单 0.18 元执行」。试点怎么往外扩，看这一段：「2025 年 7 月 1 日起，在已先行试点 7 个省份和 7 个平台企业的基础上……增加天津、河北、辽宁、浙江、安徽、福建、山东、湖北、广西、宁夏等 10 个省份……2026 年，推动职业伤害保障试点在全国 31 个省份和新疆生产建设兵团实施；将出行、即时配送和同城货运三个行业的平台企业总体纳入职业伤害保障试点范围」（试点，逐年扩围）
证据等级: A
来源: 人力资源社会保障部等九部门 (2025). 关于扩大新就业形态人员职业伤害保障试点的通知（人社部发〔2025〕24 号）及附件《新就业形态人员职业伤害保障办法（试行）》第二、九条. <https://www.gov.cn/zhengce/zhengceku/202507/content_7031656.htm>
备注: 这还是试点，不是全国都有的正式制度。接单前确认你所在的省份和平台在不在范围里，不在的就只剩自己买商业保险这一层。另一份文件《关于维护新就业形态劳动者劳动保障权益的指导意见》还提了几条要求。平台给正常干活的人开的报酬不低于当地最低工资，要按时足额发，不得克扣或者无故拖欠。法定节假日还要付合理报酬。这份文件的文号是人社部发〔2021〕56 号，灵活就业那条也引了它，见第 11 条。出了事先照这套走，别先跟站点私了。医保和养老那一块还得自己参保，灵活就业参保见第 11 条。
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