Group injury and hospital-cash cover (§2.11.1 proposal 3)

Platform workers already have operator-funded work-injury insurance. Since 2018, at the Tripartite Workgroup's request, insurers have sold the self-employed Prolonged Medical Leave policies that pay daily cash, which few hawkers appear to hold; means-tested ComCare helps those temporarily unable to work. The proposal adds to both, widening the plan's §2.9 pool from critical illness for over-55s to every stallholder, priced at the Lighthouses first, and the pilot asks first why so few hawkers buy cover. It is to be priced; the plan's critical-illness pool runs about $750 a head a year for over-55s, an assumption until an insurer quotes.

Who pays

The library gives this mechanism no who-pays tag of its own.

What it costs

To be priced

To be priced as the Advisory Committee priced riders' cover: on WICA's standard terms, through an open insurance market, with premiums set by claims history (Recommendation 6). For comparison, the plan's critical-illness pool costs about $750 a person a year for over-55s, our assumption until an insurer quotes · NEA, insurers

What it builds on

Operator-funded work-injury insurance for platform workers; the Prolonged Medical Leave policies insurers launched for the self-employed in 2018, at the Tripartite Workgroup's request; ComCare Short-to-Medium-Term Assistance (Hawkers and Social Protection, C.4, §2.11.1).

The ask of Government

Instrument

NEA, insurers

Fiscal cost

To be priced

Gap closed

No cover of their own for the worker who must personally operate

From §2.11.1.

Who gains

Hawkers

Cover for the body that does the work: today, if he burns his hand, the stall shuts, and unless he insured himself no one pays him for the week (Hawkers and Social Protection, C.1, C.4).