买了意外伤害险，还用参加工伤保险吗？
<p style="white-space: normal;"><br/></p><p style="text-align:center;vertical-align:inherit;"></p><p></p><section style="box-sizing: border-box;font-size: 16px;"><section style="margin: 20px 0%;box-sizing: border-box;"><section style="text-align: center;line-height: 2;padding-right: 10px;padding-left: 10px;box-sizing: border-box;"><p style="vertical-align:inherit;box-sizing: border-box;">有些企业特别是建筑企业</p><p style="vertical-align:inherit;box-sizing: border-box;">为了分散事故风险</p><p style="vertical-align:inherit;box-sizing: border-box;">会为员工购买意外伤害险</p><p style="vertical-align:inherit;box-sizing: border-box;">那么，有了意外伤害险</p><p style="vertical-align:inherit;box-sizing: border-box;">还用参加工伤保险吗？</p></section></section><section style="height: auto;box-sizing: border-box;"><section style="display: flex;flex-flow: row nowrap;text-align: center;justify-content: center;margin: 10px 0%;box-sizing: border-box;"><section style="box-sizing:border-box;display: inline-block;vertical-align: bottom;width: auto;background-color: #f0fbf6;align-self: flex-end;margin-right: -20px;flex: 0 0 auto;min-width: 10%;max-width: 100%;height: auto;padding: 38px 50px 38px 38px;"><section style="margin-right: 0%;margin-left: 0%;justify-content: center;box-sizing: border-box;"><section style="text-align: left;color: #000000;line-height: 2;box-sizing: border-box;"><p style="vertical-align:inherit;box-sizing: border-box;">请看<strong style="caret-color: red;"><span style="color: #5b391e;">街访短视频</span></strong></p><p style="vertical-align:inherit;box-sizing: border-box;">来听听“人社知识通”怎么说</p></section></section></section><section style="box-sizing:border-box;display: inline-block;vertical-align: bottom;width: auto;min-width: 10%;max-width: 100%;height: auto;align-self: flex-end;"><section style="margin-right: 0%;margin-left: 0%;justify-content: center;box-sizing: border-box;"><section style="box-sizing:border-box;max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 34px;height: auto;"></section></section></section></section></section><section style="text-align: center;margin: 40px 0%;box-sizing: border-box;"><section style="box-sizing:border-box;max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 20%;height: auto;"></section></section><section style="margin: 20px 0%;box-sizing: border-box;"><section style="line-height: 1.8;padding-right: 10px;padding-left: 10px;box-sizing: border-box;"><p style="margin-bottom:-13px;vertical-align:inherit;">//www.dz0566.com/plugin.php?id=wcn_editor:player&url=https%3A%2F%2Fmp.weixin.qq.com%2Fmp%2Freadtemplate%3Ft%3Dpages%2Fvideo_player_tmpl%26action%3Dmpvideo%26auto%3D0%26vid%3Dwxv_2148208197071863816&org=http%3A%2F%2Fmp.weixin.qq.com%2Fs%3F__biz%3DMzU4OTg1ODA2OQ%3D%3D%26mid%3D2247544324%26idx%3D2%26sn%3D9a933ad2b02611860a080da348255ca3%26chksm%3Dfdc57a7ecab2f36885251c529ef13309b872a916dcc37db21c6f5bfd5611e2f9a9fd8ffdb0d4</p></section></section><section style="text-align: center;margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;"><section style="box-sizing:border-box;max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 40%;height: auto;"></section></section><section style="margin: 10px 0%;box-sizing: border-box;"><section style="box-sizing:border-box;display: inline-block;width: 100%;vertical-align: top;background-color: rgba(219, 225, 173, 0.17);padding: 30px;"><section style="margin: 10px 0% 30px;box-sizing: border-box;"><section style="box-sizing:border-box;display: inline-block;width: 100%;border-width: 1px;border-style: solid;border-color: rgb(255, 255, 255);padding: 10px;background-color: rgb(255, 255, 255);"><section style="text-align: center;line-height: 1.8;box-sizing: border-box;"><p style="vertical-align:inherit;box-sizing: border-box;"><strong>工伤保险和意外伤害险</strong></p><p style="vertical-align:inherit;box-sizing: border-box;"><strong>都能分散企业的事故伤害风险</strong></p></section></section></section><section style="box-sizing: border-box;"><section style="display: flex;flex-flow: row nowrap;box-sizing: border-box;"><section style="box-sizing:border-box;display: inline-block;vertical-align: top;width: auto;flex: 0 0 0%;align-self: flex-start;height: auto;"><section style="text-align: center;box-sizing: border-box;"><section style="box-sizing:border-box;display: inline-block;width: 3px;height: 55px;vertical-align: top;overflow: hidden;background-color: rgb(180, 197, 161);"><section><svg viewbox="0 0 1 1" style="box-sizing:border-box;float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section><section style="box-sizing:border-box;display: inline-block;vertical-align: top;width: auto;flex: 110 110 0%;align-self: flex-start;height: auto;margin-right: 20px;margin-left: 20px;"><section style="box-sizing: border-box;"><p style="vertical-align:inherit;white-space: normal;box-sizing: border-box;">但<span style="color: #1381C4;box-sizing: border-box;"><strong style="box-sizing: border-box;"><span style="font-size: 17px;box-sizing: border-box;">工伤保险</span></strong></span>是我国<span style="color: #DA461D;box-sizing: border-box;"><strong style="box-sizing: border-box;">法定强制</strong></span>的社会保险，企业<span style="color: #DA461D;box-sizing: border-box;"><strong style="box-sizing: border-box;">必须依法参加</strong></span>，否则属于违法行为；</p><p style="vertical-align:inherit;white-space: normal;box-sizing: border-box;">而<span style="color: #1381C4;box-sizing: border-box;"><strong style="box-sizing: border-box;"><span style="font-size: 17px;box-sizing: border-box;">意外伤害险</span></strong></span>是一种商业保险行为，由企业<span style="color: #DA461D;box-sizing: border-box;"><strong style="box-sizing: border-box;">自愿</strong></span>选择投保，可以将其作为工伤保险基本保障之外的<span style="color: #DA461D;box-sizing: border-box;"><strong style="box-sizing: border-box;">补充</strong></span>。</p></section></section></section></section></section></section></section><p></p><p><br/></p><link rel="stylesheet" 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