近日，一起外卖骑手在家中猝死却被保险公司拒赔的事件引发社会广泛关注。据报道，该骑手长期从事高强度配送工作，事发当天完成多单配送后回家休息，不久便突发疾病离世。其家属申请意外险理赔时，保险公司以‘非工作时间、非工作地点’及‘猝死不属于意外伤害’为由拒绝赔付。这一案例暴露出当前平台用工模式下劳动者保障的严重缺失。许多骑手虽通过平台接单，却未与平台建立正式劳动关系，仅被归类为‘个体工商户’或‘合作方’，导致其难以享受工伤保险等基本权益。同时，市面上常见的商业意外险通常将猝死列为免责条款，使得骑手在遭遇健康危机时缺乏有效保障。专家呼吁，应完善新就业形态下的社会保障体系，明确平台责任，并推动将职业相关猝死纳入工伤认定范围，切实保护灵活就业者的合法权益。
Recently, a case in which a food delivery rider died suddenly at home and was denied insurance compensation has sparked widespread public concern. According to reports, the rider had been engaged in high-intensity delivery work for a long time and passed away shortly after returning home following multiple deliveries on the day of the incident. When his family filed a claim under his accidental injury insurance policy, the insurer rejected it, citing reasons such as ‘outside working hours and off-duty location’ and stating that ‘sudden death does not constitute accidental injury.’ This case highlights serious gaps in labor protections under current gig-economy employment models. Although many riders accept orders through platforms, they often lack formal employment contracts and are instead classified as ‘self-employed’ or ‘partners,’ making them ineligible for basic benefits like workers’ compensation. Moreover, most commercial accidental injury policies explicitly exclude sudden death from coverage, leaving riders vulnerable during health emergencies. Experts urge reforms to strengthen social security systems for new forms of employment, clarify platform responsibilities, and expand workplace injury recognition to include job-related sudden deaths, thereby safeguarding the rights of flexible workers.
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