問 我最近(jin)在公司受了傷，想(xiang)咨詢(xun)一下大家，意外傷害險和工傷保險有什么區別(bie)啊(a)？

答 意外傷(shang)害險(xian)(xian)(xian)(xian)和工(gong)(gong)(gong)(gong)傷(shang)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)的(de)(de)(de)作用雖然相似，但(dan)意外傷(shang)害險(xian)(xian)(xian)(xian)并不(bu)能代替工(gong)(gong)(gong)(gong)傷(shang)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)。人(ren)身意外傷(shang)害險(xian)(xian)(xian)(xian)是一種商業保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)，它以贏利(li)(li)為目的(de)(de)(de)，由商業保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)司管理，保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)的(de)(de)(de)權(quan)利(li)(li)義務關系(xi)(xi)屬(shu)于(yu)合同法(fa)(fa)(fa)、商業保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)法(fa)(fa)(fa)調(diao)整范圍。而工(gong)(gong)(gong)(gong)傷(shang)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)屬(shu)于(yu)社(she)會保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)，是我國社(she)會保(bao)(bao)(bao)(bao)障(zhang)體系(xi)(xi)的(de)(de)(de)重(zhong)要組(zu)成部分(fen)，它具(ju)有法(fa)(fa)(fa)制(zhi)性和強制(zhi)性，目的(de)(de)(de)在(zai)于(yu)保(bao)(bao)(bao)(bao)障(zhang)企業職工(gong)(gong)(gong)(gong)的(de)(de)(de)合法(fa)(fa)(fa)權(quan)益，分(fen)散工(gong)(gong)(gong)(gong)傷(shang)風險(xian)(xian)(xian)(xian)，促進企業安(an)全生(sheng)產，維(wei)護社(she)會穩定。工(gong)(gong)(gong)(gong)傷(shang)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)的(de)(de)(de)權(quan)利(li)(li)義務關系(xi)(xi)屬(shu)于(yu)社(she)會保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)法(fa)(fa)(fa)的(de)(de)(de)調(diao)整范疇。