問(wen) 我最近(jin)在公司受了傷(shang)(shang)，想咨詢一下大家，意外傷(shang)(shang)害險(xian)和工傷(shang)(shang)保險(xian)有什(shen)么(me)區別啊(a)？

答 意外(wai)傷(shang)害(hai)(hai)險(xian)(xian)(xian)和工傷(shang)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)的(de)作用雖然相似(si)，但意外(wai)傷(shang)害(hai)(hai)險(xian)(xian)(xian)并不(bu)能(neng)代替工傷(shang)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)。人身意外(wai)傷(shang)害(hai)(hai)險(xian)(xian)(xian)是一種(zhong)商業(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)，它(ta)以(yi)贏利(li)為目的(de)，由(you)商業(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)司管理，保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)的(de)權(quan)利(li)義(yi)務關系屬于(yu)合同法(fa)、商業(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)法(fa)調(diao)整范圍。而工傷(shang)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)屬于(yu)社(she)會保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)，是我國社(she)會保(bao)(bao)(bao)(bao)(bao)障體系的(de)重要組成(cheng)部分，它(ta)具有法(fa)制性和強制性，目的(de)在于(yu)保(bao)(bao)(bao)(bao)(bao)障企(qi)業(ye)職工的(de)合法(fa)權(quan)益，分散(san)工傷(shang)風險(xian)(xian)(xian)，促(cu)進(jin)企(qi)業(ye)安全生產，維護社(she)會穩定(ding)。工傷(shang)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)的(de)權(quan)利(li)義(yi)務關系屬于(yu)社(she)會保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)法(fa)的(de)調(diao)整范疇。