問 我最近在公司受了傷(shang)，想咨詢一下大家，意外傷(shang)害險(xian)(xian)和(he)工傷(shang)保險(xian)(xian)有什(shen)么區別啊？

答(da) 意(yi)外傷(shang)(shang)害險(xian)(xian)(xian)(xian)和工(gong)(gong)(gong)傷(shang)(shang)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)的(de)(de)作用雖(sui)然相(xiang)似，但意(yi)外傷(shang)(shang)害險(xian)(xian)(xian)(xian)并不能(neng)代替工(gong)(gong)(gong)傷(shang)(shang)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)。人(ren)身意(yi)外傷(shang)(shang)害險(xian)(xian)(xian)(xian)是(shi)一種商業(ye)(ye)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)，它以贏利為目(mu)的(de)(de)，由商業(ye)(ye)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)司管(guan)理，保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)的(de)(de)權利義務關系屬于合(he)同法、商業(ye)(ye)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)法調(diao)整范圍(wei)。而工(gong)(gong)(gong)傷(shang)(shang)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)屬于社會保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)，是(shi)我國(guo)社會保(bao)(bao)(bao)障體系的(de)(de)重要組成(cheng)部(bu)分，它具有法制性和強制性，目(mu)的(de)(de)在于保(bao)(bao)(bao)障企(qi)業(ye)(ye)職工(gong)(gong)(gong)的(de)(de)合(he)法權益，分散工(gong)(gong)(gong)傷(shang)(shang)風險(xian)(xian)(xian)(xian)，促進企(qi)業(ye)(ye)安全生產，維護(hu)社會穩(wen)定。工(gong)(gong)(gong)傷(shang)(shang)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)的(de)(de)權利義務關系屬于社會保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)法的(de)(de)調(diao)整范疇。