問 企業為每(mei)一個員工(gong)(gong)購買工(gong)(gong)傷保(bao)險是必須(xu)應(ying)盡的義務(wu)，那么工(gong)(gong)傷保(bao)險主要(yao)特(te)點有(you)哪些呢？

答 首先工(gong)傷(shang)(shang)保(bao)(bao)險(xian)(xian)(xian)的責(ze)任(ren)具(ju)有(you)賠(pei)償性，工(gong)傷(shang)(shang)保(bao)(bao)險(xian)(xian)(xian)不同于(yu)(yu)養老(lao)保(bao)(bao)險(xian)(xian)(xian)等險(xian)(xian)(xian)種，勞動者(zhe)(zhe)不繳納保(bao)(bao)險(xian)(xian)(xian)費(fei)，全(quan)部(bu)費(fei)用由用人(ren)(ren)單位(wei)(wei)負擔。其次工(gong)傷(shang)(shang)保(bao)(bao)險(xian)(xian)(xian)對象(xiang)的范圍是在生產勞動過程(cheng)中的勞動者(zhe)(zhe)，工(gong)傷(shang)(shang)保(bao)(bao)險(xian)(xian)(xian)待(dai)遇(yu)相對優厚，標準較高，但因工(gong)傷(shang)(shang)事故(gu)的不同而有(you)所差別。最(zui)后工(gong)傷(shang)(shang)保(bao)(bao)險(xian)(xian)(xian)實行(xing)無(wu)過錯責(ze)任(ren)原則(ze)。無(wu)論工(gong)傷(shang)(shang)事故(gu)的責(ze)任(ren)歸于(yu)(yu)用人(ren)(ren)單位(wei)(wei)還(huan)是職工(gong)個人(ren)(ren)或第(di)三(san)者(zhe)(zhe)，用人(ren)(ren)單位(wei)(wei)均應承擔保(bao)(bao)險(xian)(xian)(xian)責(ze)任(ren)，工(gong)傷(shang)(shang)保(bao)(bao)險(xian)(xian)(xian)作為社會福利，其保(bao)(bao)障內容比商業意外保(bao)(bao)險(xian)(xian)(xian)要豐(feng)富(fu)。