Hungry? The 43-year-old takeaway suddenly died while delivering food. what do you think?

I just want to say that today's completely irregular view of money leads to the disparity between the rich and the poor, indifference to human feelings, loss of moral conscience, showing off wealth and comparing with others, and being cruel to the rich. Money makes the mare go. In a society without money, rich people are richer, and those without money can only exchange their lives for money. This is a living reality. How many companies have not worked for more than 996 years and can live a dull and stable life? number

I saw this thing and I was fucking angry! ! !

I never knew a company could be so shameless!

I remind you of such a detail. After the little brother died suddenly, he got the insurance amount of 3W.

But I went back to see the insurance policy, and tm found that the life-saving money was deducted! ! !

1. In order to save costs, social security is not paid. At present, there is no formal labor contract between the distribution platform and the distributor.

Why?

Because of cost savings! Just five insurances and one gold will increase the labor cost by 40%.

In order to save this money, the take-away platform usually outsources the take-away business as an agent.

In this case, the take-away platform only gives the agent a management fee, which saves the cost.

However, in this case, the takeaway brother did not have five insurances and one gold, nor was he a formal employee of the platform.

If something happens to the takeaway brother,

They can openly say that "there is no labor relationship".

Will the agent pay "five insurances and one gold" to the takeaway brother?

That would be naive.

Agents generally sign labor contracts with their younger brothers without paying five insurances and one gold.

In other words, little brother has no medical insurance and no work-related injury insurance!

Therefore, if something happens to the takeaway brother, he can only bear it himself.

Takeaway industry is a high-risk industry. Can you imagine that the little brother who shuttles through the traffic has no social security?

I can go to nm.

In order not to bear the pressure of public opinion, this risk is passed on to commercial insurance, and the money is paid by the takeaway brother himself. If something goes wrong, it is impossible for these take-away platforms to leave.

In order to prevent the pressure of public opinion, these take-out platforms have come up with a "loss-making move".

Put commercial insurance on these deliverymen!

Transfer the risk to the insurance company and force the takeaway brother to buy insurance.

So this money-making platform came out?

Think too much!

It's all bought by takeaway brother himself!

The platform will deduct three yuan every day, directly from the first single deduction of the takeaway brother today.

We don't care whether the company closes or not, but it's still a solution.

But today I saw this thing and saw the sudden death insurance of 3W?

As an insurance practitioner, I vaguely feel that there is a problem.

Three dollars a day, a year is more than 1000, so expensive accident insurance? Why is the insurance coverage for sudden death only 3W?

As a result, I read the terms and found the problem!

Even so, the insurance money of the takeaway brother was deducted! When I open the smart assistant of the APP and enter "insurance",

I was surprised to find that the first 3 yuan deducted by my brother every day is not the insurance fee, but the service fee!

What is the real premium?

The mutual explanation of APP's artificial intelligence customer service did not give an answer.

So I dialed their human customer service directly and asked them to send the insurance policy to my email.

I don't know the result, but my brain will be bloodshot with anger!

According to the insurance policy I received,

The guarantee responsibility includes 65W accidental injury responsibility +5W insured accidental medical treatment +3W insured sudden death.

And this insurance is only 1.06 yuan per day.

It only costs 386.9 yuan in 365 days a year, but if 3 yuan is deducted every day, it is 1095 yuan a year, which is 708.438+0 yuan!

All right!

The takeaway brother spends 3 yuan on insurance every day, but the money that can really be spent on insurance is 1 yuan!

Come out and explain to me! ! !

What did you do with the extra money! !

According to public data, Blue App has 3 million takeaway brothers. If there are 6.5438+0.5 million part-time employees, the annual service fee will be more than 65.438+0.6 billion!

Your money is too easy to earn, isn't it?

Don't you feel bad about this money? Don't you have nightmares at night

I'm curious, what services did your platform provide me? You think I haven't bought insurance?

And this money is from my own brother! Why take little brother's money to serve!

Who gave you the right!

You also deduct people's hard-earned money!

You still deduct people's life-saving money? !

You're still withholding the money they paid with their lives? !

Cut the crap and explain!

Climb up! ! !

what do you think? There are several problems at the core, which can be simply summarized as follows: capital ignores the rights and interests of employees for the benefit; The supervision function of relevant departments has not played a practical role; The Internet alone cannot promote economic development and employment environment.

1, unscrupulous capital: In this case, the unscrupulous and bloodsucking platform capital behind it is fully highlighted. Not only did it fail to provide basic rights protection, but it also tried to deduct employees' wages.

First of all, the rights and interests of the food delivery staff are not fully guaranteed. At present, the platform and the delivery staff do not sign any labor cooperation. In essence, they are all temporary workers, and they are all piecework wages. Moreover, the platform only knows how to extract commissions, and will not think about how to provide basic rights and interests to these distributors, such as paying social security and medical insurance.

This situation is not only a takeaway platform, but also a courier. For these couriers, it is simply to eat youth and sell labor, and they can't enjoy basic social security when they are old.

In the domestic Internet platform, JD.COM has done a good job, paying social insurance to the employees of official express delivery, giving the most basic protection.

Secondly, this matter is even more deadly. The only self-protection for the platform to deduct the takeaway is to buy accident insurance. But with such insurance, the platform actually wants to profit from the worm and demands to pay 3 yuan, of which only 1 yuan is the real premium, and the rest of 2 yuan is the so-called service fee of the platform.

See here, the in the mind ten thousand grass mud horse. How unscrupulous. For the sake of profit, I really tried my best.

2. Lack of supervision: The recent frequent sudden deaths and the prevalence of "996" basically show that the current labor market is out of balance and relevant supervision has lost its due role.

Before the weekend in Pinduoduo, my first reaction to this news was "Damn, it's getting worse!" ! I remember that when I was in primary school, I actually had only one day off on Sunday, and later it gradually became a week of size. It seems that in the 1990 s, I went to school six days a week and five days a week, and then it gradually evolved into two days off at weekends.

However, in the 20th year after entering the 2 1 century, I saw the news that an enterprise was going to hold big and small weeks in public. I was amazed that this made history go backwards, which made our predecessors make a lot of efforts.

This situation basically shows that there is a problem with the existing regulatory mechanism, and the relevant departments basically turn a blind eye to this kind of thing. Even if the public information on the internet is overwhelming, there is no investigation, and it is laissez-faire and sends a very bad signal.

It's time to curb the Internet economy: the actions of Internet vendors in the past two years have fully explained their limitations. Although these vendors have promoted economic development and improved the convenience of our lives to a certain extent, that's all.

In the face of capital, these manufacturers are obviously more willing to embrace capital and enjoy the huge profits brought by monopoly. As for the protection of employees' rights and interests, the economic development of the whole society, the overall social responsibility and morality are worthless in their eyes.

Therefore, we have also seen that many Internet giants have done some monopolistic behaviors and there have been various behaviors of cutting leeks.

In addition, many people always think that the internet economy can solve employment and provide some employment opportunities, but in fact this is wishful thinking. What this society can really improve economic development is the development of industrialization, manufacturing, core technology and real economy. Without these internet economies, it is just a castle in the air, and it can't provide more employment opportunities at all.

On the contrary, the internet economy is more about compressing jobs. The essence of high salary +996 is to give two people wages to make one person work, plus the squeeze on traditional industries, so that more ordinary people are unemployed.

Lscssh technical officer's point of view: On the whole, the sudden death of a 43-year-old deliveryman exposed the essence of current Internet capital, and also exposed the lack of current supervision or inadequate implementation. It's time to adjust. In any case, we can't go back alive and turn back the clock.

Han, a 43-year-old takeaway rider, died suddenly on the way to the 34th delivery that day.

Later, when investigating who should bear the responsibility for work-related injury insurance, the platform informed his family that the takeaway had nothing to do with the platform, and the platform was willing to provide 2,000 yuan to his family for humanitarian reasons, and the rest was mainly solved by the insurance company.

This is the "one life is worth 2000 yuan" incident that has been criticized by everyone.

This is the operating mode of many platforms. These platforms do not directly recruit or hire distribution personnel, but contract regional distribution services to a company, which is responsible for the distribution business. Many of our take-away deliverymen are recruited by the following companies. Legally speaking, although the delivery personnel pick up and drop off orders on the take-away platform, they have not established a direct legal relationship with the platform. As a result, our riders have no personnel, no labor contract, no social insurance and no safety guarantee.

In addition, there are some uncertainties in the legal relationship between the rider and the platform signing company. The delivery business of take-away riders is not quite the same as that of ordinary workers. Some companies signed a labor service agreement with the hitchhiker, stipulating that the hitchhiker will configure and deliver the vehicles by itself, with no attendance time, no assignment of work tasks, no time and quantity limit for grabbing orders, and the hitchhiker will grab the orders and deliver them by itself, and the company will pay the bill delivery fee. These characteristics lead to a certain difference between the relationship between the two parties and the labor relationship, and the court finally ruled that the two parties belong to the labor relationship. Of course, some courts believe that there is a management relationship between the two parties, and finally the labor relationship is established. Our company has certain advantages in this respect, which can be circumvented according to the provisions of the law, so as to make favorable agreements for itself and so on. In fact, this problem is not a day or two, and this kind of case is not twice together, but it has not been solved.

Also, it is difficult for workers to defend their rights, especially in work-related injury cases. A dispute over compensation for work-related injuries may involve many lawsuits, such as confirmation of labor relations, determination of work-related injuries and compensation for work-related injuries. It is normal that it takes several years for a case to go through all the procedures. These factors also make workers unwilling to go to court.

65438+February 2, 20201,43-year-old takeaway Han took the takeaway order on the Hungry platform as usual. When he gave the 34th order, he fell down, but he never got up. Finally, according to police investigation, it was because of sudden death. The takeaway platform claims that it is not a platform employee and there is no labor relationship. Only 2000 yuan was paid for humanitarian purposes, and the rest was mainly paid by insurance companies, so only 30 thousand yuan was paid in the end.

The sudden death of a 43-year-old deliveryman is hard for us to accept, but the reality is so cruel. Hungry? The mechanism adopted by the takeaway platform is crowdsourcing, which means that the takeaway registered through the platform is free of charge, which means that you can send it if you want, and you can't send it if you don't want to. If you don't deliver it, you won't have money, and you won't pay five insurances for the takeaway. It is not legally recognized as an employment relationship, so if the takeaway has an accident, the platform will not give corresponding compensation. With this mechanism, we can see that the takeaway platform wants to achieve maximum profit at the lowest cost.

That's why we came up with such an employment mechanism. Although it was written in the agreement when registering, most of the people who can be deliverymen are short of money or under great pressure, so they will not read these agreements carefully. Even if they know, so what? It's like installing an APP software in our mobile phone. Although we know that this APP prompts us to visit your mobile phone, your address book and your storage space, you want to use it. Don't you agree? This is the helplessness of reality and the cruelty of reality, which can only be reversed by slow development.

Although it is important to make money, I still hope that everyone will establish a sense of protection while making money and try not to put themselves in danger. The mechanism of the platform is such a mechanism. This 43-year-old takeaway is definitely not the first or the last. It's just that it was reported. The 43-year-old takeaway can be said to be the pillar of the family, but high-intensity work and sudden accidents have put the family in trouble. According to the regulations, only 30,000 yuan can be compensated. What can it do now? Nothing can be solved, so it gives us a wake-up call. It is true that everyone's life is not easy, especially the poor family. In order to make money, one is desperate, and the other is frugal. Some things can't be saved just to protect their own safety. Never say that you are young and healthy, just ignore yourself and make money at the expense of overdrawing your life. That's not worth the loss, sometimes it's true.

Sadly, for a middle-aged man with a heavy workload and a breadwinner, the only guarantee is a travel accident insurance of 1.06 yuan.

Many people are surprised that Han didn't travel. Why did he buy himself a personal accident insurance?

And the insurance premium of 1.06 yuan is obviously only one day.

Tigress was puzzled at first, until she saw a rider share the process of registering a hummingbird crowdsourcing APP. After grabbing the ticket, the system will force the rider to spend 3 yuan money to buy a rider accident insurance. This is a required option and cannot be cancelled. If you want to take an order on it, the rider can only click to agree to buy it.

Its protection responsibilities include the maximum compensation of 650,000 for accidental death and accidental disability, 50,000 for accidental medical treatment, 300,000 for personal third party liability and 30,000 for sudden death protection.

At first glance, do you think that spending 3 yuan a day can ensure the safety of a day, and it is also cost-effective? However, let's take a look at the liability period: payment will only be made if an insured accident (accident, sudden death, negligence leading to personal injury or property loss of a third party) agreed in the contract occurs within 90 minutes after the platform grabs the order, delivers the meal and delivers the order.

In other words, if you are dead or disabled, you can only pay within 90 minutes after delivery. If you don't have bills to pick up after delivering food at noon and want to deliver food at night, I'm sorry, but the insurance won't pay for it.

Take the Korean incident as an example. If the time of his sudden death is not on the way to the meal, but at rest, then there is no compensation of 30 thousand yuan for sudden death.

The daily premium in 3 yuan seems to be small, but for the annual delivery staff, the annual premium is more than 1 1,000 yuan. Anyone with a little insurance knowledge knows that a normal accident insurance premium is one year in 200 yuan and 300 yuan.

Sure enough, judging from the insurance policies exposed by netizens, the real premium of this accident insurance is 1.06 yuan.

So,1.Where did the price difference in 94 yuan go? Of course, it is in the hands of the hungry platform. The name can be service fee, agency fee and so on. The service fee is more expensive than your own insurance. Whose interests does this insurance protect?

I spent more than 1000, but only got 30000. Compared with those who can't get 300 yuan a year, they can get millions of accident insurance. This is a joke.

Sincerely advise some platform parties not to sign labor contracts, not to pay five insurances and one gold, and not to eat "human blood steamed bread" insured by others. Either take the money to buy it formally, or let everyone buy it themselves.

It's never a safety pit. The real "cheating" is people's hearts.

What else can I do? Seek legal ways to solve the problem, and the platform response is chilling!

Event review

On June 5438+February 2 1 day, 2020, a delivery man died suddenly while delivering food. When his family asked the platform to bear the responsibility of work-related injury insurance, the platform called the deliveryman a crowdsourcing rider, which had no labor relationship with the platform and only paid 2,000 yuan for humanitarian reasons. Other compensation can only be found by the insurance company!

The younger brother of the deceased said that his physical examination was normal when he was making takeout, and there was no chronic disease. He just works long hours and works very hard. He goes out early and comes back late every day, delivering more than 30 orders every day. His brother died suddenly because of overwork. It should be recognized as a work-related injury!

How to treat

Takeaway, seemingly high salary, simple and easy, is not easy. Is to work harder and earn more money. Many people get up early and work hard day and night. This unfortunate takeaway is caused by overwork, which is a pity! But also fell on the job, must be identified as work-related injuries!

There were many products before.

Are you hungry later?

At the end of the year, I don't know how many people will use their overdrawn lives in exchange for food and clothing. People in the upper class will never know how hard life is for people in the lower class. After the death of an employee in Pinduoduo, he was suspected to be a "warning" person in the official account of Pinduoduo. Look at the lower classes, who are not exchanging their lives for money! Of course, after the second deletion, many enthusiastic netizens captured this detail. Pinduoduo is also very alert to explain to the public that it is not my account, but a colleague who used my account, in order to "hack" me!

Hungry, the delivery man died suddenly. I believe there will be many shocking oolong goals in the future. No matter what the outcome is, I hope that the dead will rest in peace and the living will take warning. We can't change the world, but we can change ourselves, not asking you to choose comfort, but the premise of exchanging your life for money is to have a healthy body, make money and do what you can.

When I saw the news, I was very sad. 43-year-old, old and young, died suddenly at work. This is a pity and heartbreaking.

In today's era of vigorous development of the Internet, the economic model is undergoing profound changes, and the rise of take-out has driven the participation of millions of riders.

In essence, this is a social phenomenon brought about by the development of capital to a certain stage. At the same time, how to ensure the legitimate rights and interests of takeaway riders is an urgent problem to be solved.

Capital is profit-seeking, and it is the same all over the world. How to reduce costs and improve profits is a priority for capital.

Hungry takeaway companies like Meituan have also grown up under long-term huge subsidies. When the monopoly is completed, we must pay attention to the return on capital. Profit is the most important for these capitals, but the interests of employees are the second.

Objectively speaking, there is nothing wrong with being hungry. This is a model of enterprise development. There is no labor relationship between the rider and the platform. This is the case for millions of riders all over the country, not a takeaway. From this perspective, it is fair.

As a rider, sudden death during food delivery is related to the platform, but the law does not clearly stipulate what responsibility the platform should bear. Although the practice of the platform is indifferent, it is not illegal and is most morally condemned.

The practice of capital between profit and rider's rights is quite obvious. Profitability is the concern of capital, and rider rights are not the primary concern of the platform.

Capital is profit-seeking, capital is predatory, and capital is not good or bad. Judging from the sudden death of a takeaway, laws and regulations to improve employment relations need to be carried out quickly.

Especially in the rapidly changing era of mobile Internet, various business models are constantly changing, and laws and regulations aimed at the interests of vulnerable groups should be continuously increased and improved.

This situation has occurred from time to time in recent years, and it has been reported by the media, and it is on the rise.

This is called' karoshi'. Because of overwork, he changed into a fatal stroke and sudden death caused by heart disease.

Due to the accelerated development of today's society, people's living costs are also rising, and the pressure of life is increasing. Overworking and overtime work have become a common phenomenon in some enterprises.

On the other hand, due to the profit-seeking nature of capital, some enterprises, especially private capital, arbitrarily extend their working hours, leaving workers such as 997 (I don't understand 997) with no rest time, which has caused serious harm to their health. Here is an excerpt from the fifth section of Chapter 8 of Das Kapital: "Because of its infinite blind impulse and wolf greed for surplus labor, capital not only breaks through the moral maximization of labor day, but also breaks through the pure physical maximization of labor day. It deprives the body of time to grow and stay healthy. It takes away the necessary time to consume fresh air and sunshine. It erodes the time of eating and drinking, and whenever possible, it is integrated into the production process, treating workers as simple means of production and giving them food, just like adding coal to a steam furnace and injecting grease into a machine. This passage is about the greed and evil of capital, how vivid and profound it is!

As a socialist country, we should not only pursue economic benefits, regardless of the life and death of workers, but also carry out long-term stable and orderly production and expand enterprise development according to the labor laws and regulations formulated by the state. Only in this way can we create real prosperity, long-term stability and people's happiness.