After labor obligation was being entered to produce inductrial injury for the society in laborer , pay of inductrial injury insurance extends , its safeguard level is the economic progress level according to whole society and each respect bear ability , decide by governmental one - sided , it is a kind of primary insurance , the amount of person accident injury insurance is agreed by underwriter and policy - holder both sides , write in insurance contract , the discretion that ensures a level is cast with respect to what see policy - holder how many what defend amount 工伤保险待遇是在劳动者为社会进了劳动义务发生工伤以后发放的，它的保障水平是根据整个社会的经济发展水平和各方面的承受能力，由政府单方面确定，是一种基本的保险，人身意外伤害保险的金额是由保险人和投保人双方约定的，并写在保险合同里，保障水平的高低就看投保人的投保金额的多少。
If regard person accident as the insurance of add medical treatment of injury insurance , because of , its except responsibility includes insurant the medical treatment of disease place defray , medical expenses ; stipulate by medical treatment at public expenses the drug that should buy at one ' s own expenses is expended ; fabricate the charge such as artificial eye , false tooth , artificial limb 若作为人身意外伤害保险的附加医疗保险，其除外责任包括被保险人因疾病所支出的医疗、医药费；按公费医疗规定应自费购买的药品费；装配假眼、假牙、假肢等费用。
Because be organization person insurance without giving thought to ( insurance liability includes an illness or harm an accident accidentally ) , still be injury insurance of organization person accident ( insurance liability includes to harm an accident accidentally only ) the underwriter gives only pay gold of insurance against death or disability insurance golden share , and the medical treatment cost that because this arises , does not bear 因为不管是团体人身保险（保险责任包括疾病或意外伤害事故） ，还是团体人身意外伤害保险（保险责任只包括意外伤害事故）保险人都只给付死亡保险金或残疾保险金部分，而不承担因此产生的医疗费用。
