FairTea2030
Seasonal employment insurance季节性用工保险
A basic safety net for seasonal farm workers that covers injuries, medical costs and pensions, funded by government and employers together.由政府与企业共同出资，为季节性农业工人建立覆盖工伤、医疗与养老的基本保障。
Why it matters为什么重要
Most pickers are over fifty. They climb wet slopes before dawn, bend for twelve hours and carry full baskets down. One fall, one bad back, one week of fever, and the season's income is gone, with the hospital bill still to pay.大多数采茶工年过五十。她们天不亮就爬上湿滑的山坡，弯腰十二个小时，再把满篓的鲜叶背下山。一次摔倒、一次腰伤、一周高烧，这一季的收入就没了，医院的账单还要自己付。
Because the work is short and informal, the insurance that protects a factory worker does not reach them. A four-week harvest needs a four-week policy, cheap enough that a county or a cooperative can buy it for everyone who registers.因为这份工作又短又非正式，保护工厂工人的那套保险到不了她们身上。四周的采摘季需要一份四周的保单，便宜到一个县或一家合作社可以为每一位登记在册的人买下。
What the evidence says证据怎么说
China's work-injury insurance regulations apply only to employing units, and a farming household hiring pickers is not one; a Henan court awarded a picker of nearly seventy 6,000 yuan of a 106,000-yuan claim on exactly that ground. In Xinyang, a 2025 scheme insured about 70,000 pickers in a city that needs about 1.5 million at peak.中国的工伤保险条例只适用于用人单位，雇用采茶工的农户不在其列；河南一家法院正是据此只判给一位年近七十的采茶工6000元（她主张10.6万元）。在信阳，2025年的保险方案覆盖了约7万名采茶工，而该市高峰期需要约150万人。10967
What we are asking for, specifically我们具体要求什么
A seasonal injury-and-illness policy bought per registered picker, covering accidents, heat stress and acute medical costs for the harvest window, co-funded by county government and the gardens or factories that buy the leaf.按登记采茶工人数购买的季节性意外与疾病保险，覆盖采摘期内的工伤、中暑和急性医疗费用，由县政府与收购鲜叶的茶园或茶厂共同出资。
