“43 year old rider died suddenly on the way to deliver food” tracking

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Original title: “43 year old rider died suddenly while delivering meals” tracking: hungry Yao said he would pay 600000 yuan pension, family members responded
Reporter / Luo Mengjie
Editor / Li Wentao
Han Yiwei, a hungry rider, died suddenly on the way to deliver a meal. Out of humanitarianism, the platform offered to pay 2000 yuan, while the insurance company paid 30000 yuan to the family members according to the insured amount of 106 yuan. After the Red Star news report, the matter aroused public concern.
In response to this, some netizens pointed out that hungry riders would be forced to deduct 3 yuan for insurance by the platform system every day, but Han’s actual premium was only 1.06 yuan, suspecting that the platform had deducted Han’s insurance fee.
The investigation conclusion about Han’s death issued by Beijing Chaoyang Public Security Bureau
In response, the official microblog account of eermo said that the service fee of 3 yuan deducted by Knight every day is charged by eermo platform, and eermo platform will pay part of the fee, which will be jointly handed over to the human resource provider that the rider serves, and entrust it to provide services such as labor management and security for crowdsourcing knight. It is agreed that the human resource provider will take out accident insurance for knight 。
On the evening of January 8, the Red Star News reporter learned from Han’s younger brother that at present, the relevant personnel of the hungry platform are in Shanxi, Han’s hometown, dealing with this matter with his wife Wang. “He said that the previous 2000 yuan was the food and housing expenses for coming to Beijing, and also asked how much the funeral expenses were spent at home. He also said that he would pay 600000 pension within this week, and his sister-in-law has agreed 。”
3 yuan a day to buy insurance, the final premium is only 1.06 yuan
In 2019, Han and his wife, Wang, came to Beijing from Hongdong, Shanxi Province to make a living and rent a house in a village in Shunyi District, Beijing, “only 10 square meters, with a monthly rent of 800 yuan.” Wang told the Red Star News reporter that her and Han’s two educational levels are not high. In addition, they have farming parents and two children who go to school to support them. They are under great economic pressure. In order to earn more money, they both choose some more tired but high paid jobs.
Wang said that after arriving in Beijing, she became a housekeeper. She usually lives in clients’ homes and only goes home on weekends. Han first worked on Yoshinoya platform, and then registered on his mobile phone in March 2020. He became a part-time delivery worker of hungry Yao, “this doesn’t need education, and work hard, and the monthly income is also very high.” Wang said that when Han made the most money, he got about 6000 yuan in half a month.
In the early morning of December 21, 2020, Han Yiwei got up and was ready to start work. At 9:13, Han received the first delivery order, then the system deducted his 3 yuan service fee, and generated the insurance policy of the day. According to the content of the policy provided by Han, the policy is a travel personal accident insurance underwritten by Pacific Insurance Company. The insurance period is from 9:00 on December 21, 2020 to 23:00 on that day.
Red Star News reporter noted that the insurance includes four products: travel personal accident insurance (version 13 general documents), accident medical insurance (version 2016), personal travel liability insurance and sudden death insurance. The contents of protection include accidental injury, accidental medical treatment, tourism legal liability and sudden death. Among them, the amount of insurance compensation for sudden death is 30000 yuan.
The insurance policy on the day of Han’s sudden death
“This 3 yuan will be deducted every day after receiving the order.” Wang told Red Star News reporter that every day as long as Han received the order successfully, he would deduct 3 yuan to buy the insurance, but it was not clear whether he bought the insurance in full. “We always thought that the money was used to buy the insurance, and the deduction also showed that the insurance policy had been generated.”
By registering and using the crowdsourcing platform “hummingbird crowdsourcing” app, Red Star News found that in this system, as long as you become a rider and want to receive orders, you have to deduct 3 yuan for insurance every day. According to the unified reply given by the system customer service, the platform will deduct the platform service fee of 3 yuan when the rider receives the order for the first time after starting work every day, and generate the policy number, that is, complete the insurance purchase on that day. The new user platform will buy 7-day insurance for them for free. In addition, even if the rider cancels or transfers the order after receiving the order on the same day, and there is only one order on the same day, the service fee of 3 yuan will be deducted by the platform.
Han told Red Star news that shortly after he received the order at 17:23 p.m., he died suddenly on the way to deliver the meal. “Because of the accident, the four orders he received could not be delivered, and were finally cancelled by the system, and he was also fined.” Han said that when they found out, the system had already deducted money, and the time for appeal had passed, they could not appeal.
In addition, Han also found that the actual amount of insurance insured by the platform for Han was only 1.06 yuan per day. “The actual premium on the insurance policy on the day of the accident was only 1.06 yuan. Where did the remaining 1.94 yuan go?” Han said that he had specially contacted the insurance company, but the other party replied that when Han was insured, the company of his platform only gave him 1.06 yuan, and they didn’t know the rest of the money. “The platform also asked, but there was no reply.”
Compulsory deduction to buy insurance, but did not tell the details of the amount
The news of Han’s accident has been widely discussed in the takeaway riders’ circle. Many takeaway caterers have re opened their backstage system and carefully checked each regulation and insurance policy information. “After inquiry, I found that the insurance premium paid by the platform is also 1.06 yuan, not all the 3 yuan deducted is used to buy insurance.” Wang, a hungry rider who delivers meals in Zhejiang Province, told Red Star news that since he saw the news of Han’s sudden death, he was also puzzled about his insured amount, so he opened the system for inquiry. “The details of the insurance policy on the system are very simple, and we can’t see the specific insured amount, so we can only call the insurance company according to the insurance number to inquire.”

Tian, a delivery rider in Shanghai, also confirmed Mr. Wang’s statement to the Red Star News reporter. He said that he would be forced to deduct 3 yuan every day by the platform. “There’s no way, if you don’t deduct it, you can’t take the order.” and every time the system would prompt to generate an insurance policy, “go to the backstage to see the order number, underwriting company and effective time, but there’s no complete insurance policy content, so you can’t check the actual insurance policy The amount insured. ” Tian said that all along, we all default that the 3 yuan is the cost of buying insurance. Although we can’t see the actual insurance cost, we don’t pay attention to the policy number and effective time. “After all, if we buy it, it’s guaranteed.”
According to the ID number and insurance number provided by Mr. Wang, the Red Star reporter contacted the Pacific Insurance Company. The company’s operator said through inquiry that Mr. Wang has multiple travel personal accident insurance records, and the premium of this kind of insurance on January 8 was 1.06 yuan. When the reporter asked whether the level of the premium affects the compensation amount of the corresponding project, the staff member said that the level of the premium is affected by the terms of the insurance content, and can not simply determine the amount of compensation according to the premium amount, “this needs to be specifically understood with the business department.”
According to the other hungry riders to the reporter to show the insurance policy, the above can only see part of the information, and can not see the specific amount of insurance
In addition, according to a meituan takeaway, he will be forced to deduct 3 yuan from the platform every day to buy insurance. “But the insurance instruction says that the daily premium of this version of insurance is 2.9 yuan per person, in which the rider’s death (third liability) compensation is 450000 yuan or 650000 yuan (rider’s death / casualty liability).” The waiter said that although 0.1 yuan is less, it’s not much for a single person, but if it is accumulated to all the riders and more time, it will be a large amount of money. “I hope the platform can publish the details and whereabouts of these expenses.”
By searching for relevant information, the Red Star News reporter found that in April 2019, a netizen disclosed on the Internet that he was a hungry take away rider and paid insurance to the platform for one month at a rate of 4 yuan per day. However, when he had an accident, he learned that his daily insurance cost was only about 1.1 yuan.
According to the screenshot posted by the netizen, the content insured by the netizen is the personal accident insurance of Cathay Pacific Property Insurance Co., Ltd., which is valid for one month (from 10:26 on April 19, 2019 to 23:59 on May 18, 2019). The insurance covers accidental death, disability, accidental medical treatment, personal liability and reimbursement of self paid drugs. The policy details show that the insurance liability mainly covers the third party liability insurance, rider’s work delay fee, rider’s nutrition fee + work delay fee. Among them, the coverage of the rider’s work delay fee and the rider’s nutrition fee + work delay fee are 150 yuan / day and 50 yuan / day respectively. The third party liability insurance is divided into 200000 yuan and 400000 yuan, and the premiums of the two versions are 33 yuan / month (2.2 yuan / day) and 65 yuan / month respectively.
Hungry: the service fee of 3 yuan will be collected by the platform, and 600000 pension will be provided to the family members
Han told Red Star News reporters that after the incident, their families contacted the hungry platform, but the first time they communicated by phone, the platform told them that they would help take accident insurance. “After leaving the insurance, the platform said that my brother has no direct labor relationship with them, they can only make humanitarian compensation of 2000 yuan, if we can accept it, we will go through the agreement, if we can’t accept it, we will go through the judicial process.” Han said that because he did not understand the legal provisions in this regard, he asked lawyers and the media for help.
In addition, Han said that he had been puzzled by the 3 yuan service fee and 30000 yuan compensation for sudden death deducted by Han, “we contacted the insurance company, and the insurance company said that they only had 1.06 yuan insurance for my brother. At present, according to the accident insurance, the insurance company can only pay us 30000 yuan. ”
On January 8, a Red Star News reporter contacted the Pacific Insurance Company which was underwritten by Han on the day of the accident. The other side said that Han’s insurance policy showed that his premium was only 1.06 yuan, and the remaining amount could not be answered because he was responsible for claims settlement, so he would reply to relevant personnel. The staff also said that Han’s claim case has been normally closed, and relevant information will be delivered to Han’s family on the 8th.
Hungry? Official response
At 18:00 on the 8th, the official microblog account of hungry Yao responded to the incident of Han Yiwei, saying that the current insurance structure of crowdsourcing knight is not reasonable, and the insured amount is insufficient. Hungry Yao has urgently discussed with all parties to promote the improvement of security and structure optimization, and will increase the insured amount to 600000 yuan. Before the implementation of the new insurance rules, the platform will provide pension.
In addition, he further explained the problem of “3 yuan insurance premium”. According to the official microblog of ehemo, in the current crowdsourcing service contract, the crowdsourcing Knight will pay a service fee of 3 yuan every day before running, which will be collected by ehemo platform. Ehemo platform will pay a part of the fee, which will be jointly handed over to the human resource provider that the rider serves, and entrust it to provide services such as labor management and security for the crowdsourcing knight Take out accident insurance.
“Thank you for your attention. The relevant personnel of the hungry platform have gone to their hometown in Shanxi.” On the evening of the 8th, Han told the Red Star News reporter through wechat that the relevant personnel of the hungry platform were discussing this matter with his sister-in-law Wang in his hometown of Shanxi. “The platform said that 2000 yuan was the food and accommodation expenses for coming to Beijing, and also asked how much the funeral expenses were spent at home. It also said that 600000 pension would be paid within this week, and his sister-in-law has agreed.”