The court supports the personal rights of "food delivery drivers" and legally determines the position of the actual policyholder.

The Beijing Financial Court through "penetrating" trial, legally determined the actual insured status of "food delivery riders" in new business format insurance. On April 28, the Beijing Financial Court reported on the handling of new business format insurance disputes and released typical cases. The report pointed out that since its establishment in 2021, the Beijing Financial Court has accepted 1796 second-instance insurance dispute cases, with a total amount exceeding 21.88 billion yuan, and new business format labor insurance rights disputes accounting for 15.92%. Among the second-instance cases of new business format insurance disputes, the main types of disputes are accidental injury insurance contract disputes, employer's liability insurance disputes, and disputes over the insurer's subrogation right. The proportion of appeals by insurance institutions and insured individuals is roughly equal, but in terms of the court's rulings, the success rate of new business format laborers and employers is relatively high.