問 我最近(jin)在公司受了傷(shang)，想(xiang)咨詢一下大(da)家，意外傷(shang)害險(xian)和工傷(shang)保險(xian)有什么(me)區別啊？

答(da) 意(yi)外傷(shang)(shang)害險(xian)(xian)和工(gong)(gong)傷(shang)(shang)保(bao)(bao)(bao)險(xian)(xian)的(de)作用雖然相(xiang)似，但意(yi)外傷(shang)(shang)害險(xian)(xian)并不(bu)能代替工(gong)(gong)傷(shang)(shang)保(bao)(bao)(bao)險(xian)(xian)。人身(shen)意(yi)外傷(shang)(shang)害險(xian)(xian)是一種商業(ye)保(bao)(bao)(bao)險(xian)(xian)，它以(yi)贏利(li)為目的(de)，由商業(ye)保(bao)(bao)(bao)險(xian)(xian)公司管理，保(bao)(bao)(bao)險(xian)(xian)的(de)權利(li)義務(wu)關系(xi)屬(shu)于合同(tong)法(fa)、商業(ye)保(bao)(bao)(bao)險(xian)(xian)法(fa)調整范圍。而工(gong)(gong)傷(shang)(shang)保(bao)(bao)(bao)險(xian)(xian)屬(shu)于社(she)會保(bao)(bao)(bao)險(xian)(xian)，是我國社(she)會保(bao)(bao)(bao)障體(ti)系(xi)的(de)重(zhong)要組成部(bu)分(fen)，它具(ju)有法(fa)制性和強制性，目的(de)在于保(bao)(bao)(bao)障企業(ye)職工(gong)(gong)的(de)合法(fa)權益，分(fen)散工(gong)(gong)傷(shang)(shang)風險(xian)(xian)，促(cu)進(jin)企業(ye)安全(quan)生產，維護社(she)會穩(wen)定(ding)。工(gong)(gong)傷(shang)(shang)保(bao)(bao)(bao)險(xian)(xian)的(de)權利(li)義務(wu)關系(xi)屬(shu)于社(she)會保(bao)(bao)(bao)險(xian)(xian)法(fa)的(de)調整范疇(chou)。