問 我最近在(zai)公司受(shou)了傷(shang)，想咨詢一(yi)下大(da)家，意外(wai)傷(shang)害險(xian)和工傷(shang)保險(xian)有(you)什么區別啊？

答 意外(wai)(wai)傷(shang)(shang)(shang)害險(xian)(xian)(xian)和工(gong)傷(shang)(shang)(shang)保(bao)(bao)(bao)險(xian)(xian)(xian)的(de)作(zuo)用雖然相似，但意外(wai)(wai)傷(shang)(shang)(shang)害險(xian)(xian)(xian)并不(bu)能(neng)代替工(gong)傷(shang)(shang)(shang)保(bao)(bao)(bao)險(xian)(xian)(xian)。人(ren)身意外(wai)(wai)傷(shang)(shang)(shang)害險(xian)(xian)(xian)是一(yi)種(zhong)商(shang)業(ye)保(bao)(bao)(bao)險(xian)(xian)(xian)，它以贏利(li)為目的(de)，由(you)商(shang)業(ye)保(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)司管理，保(bao)(bao)(bao)險(xian)(xian)(xian)的(de)權利(li)義務(wu)關(guan)系(xi)(xi)屬(shu)于合(he)同法(fa)、商(shang)業(ye)保(bao)(bao)(bao)險(xian)(xian)(xian)法(fa)調整范圍(wei)。而工(gong)傷(shang)(shang)(shang)保(bao)(bao)(bao)險(xian)(xian)(xian)屬(shu)于社會(hui)保(bao)(bao)(bao)險(xian)(xian)(xian)，是我國社會(hui)保(bao)(bao)(bao)障體(ti)系(xi)(xi)的(de)重要組成部分，它具有法(fa)制性(xing)和強制性(xing)，目的(de)在于保(bao)(bao)(bao)障企業(ye)職工(gong)的(de)合(he)法(fa)權益，分散(san)工(gong)傷(shang)(shang)(shang)風(feng)險(xian)(xian)(xian)，促(cu)進(jin)企業(ye)安全生(sheng)產，維護(hu)社會(hui)穩定(ding)。工(gong)傷(shang)(shang)(shang)保(bao)(bao)(bao)險(xian)(xian)(xian)的(de)權利(li)義務(wu)關(guan)系(xi)(xi)屬(shu)于社會(hui)保(bao)(bao)(bao)險(xian)(xian)(xian)法(fa)的(de)調整范疇。