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		  <div id="newshow-title">劳动争议案件中，意外伤害保险理赔金能否抵扣单位应支付的工伤保险金？</div>
				<div id="newshow-time">发布人：网站管理员　发布时间：2024/4/17</div>
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				   <P style="BOX-SIZING: border-box !important; MAX-WIDTH: 100%; WHITE-SPACE: normal; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; TEXT-ALIGN: left; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; CLEAR: both; MIN-HEIGHT: 1em; MARGIN: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word"><STRONG style="BOX-SIZING: border-box !important; MAX-WIDTH: 100%; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word">案情简介</STRONG></P></SECTION></SECTION></SECTION></SECTION></SECTION><SECTION style="BOX-SIZING: border-box !important; MAX-WIDTH: 100%; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; TEXT-ALIGN: justify; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; OUTLINE-COLOR: invert; LINE-HEIGHT: 1.75em; PADDING-RIGHT: 0px; TEXT-INDENT: 2em; overflow-wrap: break-word"><SPAN style='BOX-SIZING: border-box !important; FONT-SIZE: 15px; TEXT-DECORATION: none; MAX-WIDTH: 100%; FONT-FAMILY: 微软雅黑, "Microsoft YaHei"; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; LETTER-SPACING: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; TEXT-INDENT: 35px; overflow-wrap: break-word'>2019年10月郭某到甲公司工作，甲公司为郭某购买人身意外伤害保险，但是并没有为其缴纳工伤保险。2020年6月郭某在工作期间受伤住院。人社部门认定其为工伤。2021年11月保险公司向郭某支付人身意外伤害保险理赔金20万元。2022年8月19日劳动能力鉴定委员会鉴定郭某的劳动功能障碍程度为柒级，无生活自理障碍。郭某申请劳动仲裁，要求甲公司支付各项工伤待遇615719.79元。仲裁机构裁决甲公司支付郭某395382.4元，后双方均不服裁决，诉至法院。</SPAN></SECTION><SECTION style="BOX-SIZING: border-box; MAX-WIDTH: 100%; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; TEXT-ALIGN: justify; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MIN-HEIGHT: 1em; MARGIN: 0px; OUTLINE-COLOR: invert; LINE-HEIGHT: 1.75em; PADDING-RIGHT: 0px; overflow-wrap: break-word"><BR style="BOX-SIZING: border-box !important; MAX-WIDTH: 100%; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word"></SECTION><SECTION style="BOX-SIZING: border-box !important; FONT-SIZE: 16px; MAX-WIDTH: 100%; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word"><SECTION style="BOX-SIZING: border-box !important; MAX-WIDTH: 100%; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; TEXT-ALIGN: justify; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 10px 0px 20px; DISPLAY: flex; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word; justify-content: center; flex-flow: row" powered-by="xiumi.us"><SECTION style="BOX-SIZING: border-box !important; MAX-WIDTH: 100%; BORDER-TOP: 1px solid; HEIGHT: auto; BORDER-RIGHT: 1px solid; WIDTH: auto; VERTICAL-ALIGN: top; MIN-WIDTH: 5%; BORDER-BOTTOM: 1px solid; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 8px; PADDING-TOP: 8px; OUTLINE-STYLE: none; PADDING-LEFT: 8px; BORDER-LEFT: 1px solid; MARGIN: 0px; DISPLAY: inline-block; OUTLINE-COLOR: invert; PADDING-RIGHT: 8px; overflow-wrap: break-word; align-self: flex-start; flex: 0 0 auto; box-shadow: rgb(69, 119, 218) 6px 6px 0px 0px"><SECTION style="BOX-SIZING: border-box !important; MAX-WIDTH: 100%; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; TEXT-ALIGN: left; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word" powered-by="xiumi.us"><SECTION style="BOX-SIZING: border-box !important; FONT-SIZE: 17px; MAX-WIDTH: 100%; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; TEXT-ALIGN: justify; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word">
<P style="BOX-SIZING: border-box !important; MAX-WIDTH: 100%; WHITE-SPACE: normal; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; TEXT-ALIGN: left; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; CLEAR: both; MIN-HEIGHT: 1em; MARGIN: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word"><STRONG style="BOX-SIZING: border-box !important; MAX-WIDTH: 100%; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word">法院审理</STRONG></P></SECTION></SECTION></SECTION></SECTION></SECTION></SECTION><SECTION style='BOX-SIZING: border-box !important; FONT-SIZE: 16px; MAX-WIDTH: 100%; FONT-FAMILY: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; WHITE-SPACE: normal; WORD-SPACING: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: 400; COLOR: rgb(51,51,51); OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; FONT-STYLE: normal; TEXT-ALIGN: justify; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: 1px; OUTLINE-COLOR: invert; LINE-HEIGHT: 1.75em; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 2em; overflow-wrap: break-word; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial'><SPAN style='BOX-SIZING: border-box !important; FONT-SIZE: 15px; TEXT-DECORATION: none; MAX-WIDTH: 100%; FONT-FAMILY: 微软雅黑, "Microsoft YaHei"; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; LETTER-SPACING: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word'>法院经审理认为，《工伤保险条例》第六十二条第二款规定，依照本条例规定应当参加工伤保险而未参加工伤保险的用人单位职工发生工伤的，由该用人单位按照本条例规定的工伤保险待遇项目和标准支付费用。本案中郭某与甲公司存在劳动关系，甲公司未给郭某办理工伤保险，郭某之损伤已被认定为工伤，故应由甲公司向郭某支付工伤保险待遇。</SPAN></SECTION><SECTION style='BOX-SIZING: border-box !important; FONT-SIZE: 16px; MAX-WIDTH: 100%; FONT-FAMILY: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; WHITE-SPACE: normal; WORD-SPACING: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: 400; COLOR: rgb(51,51,51); OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; FONT-STYLE: normal; TEXT-ALIGN: justify; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: 1px; OUTLINE-COLOR: invert; LINE-HEIGHT: 1.75em; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 2em; overflow-wrap: break-word; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial'><SPAN style='BOX-SIZING: border-box !important; FONT-SIZE: 15px; TEXT-DECORATION: none; MAX-WIDTH: 100%; FONT-FAMILY: 微软雅黑, "Microsoft YaHei"; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; LETTER-SPACING: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word'>本案争议焦点是：保险公司向郭某支付的意外伤害金是否应在甲公司应向郭某支付的工伤保险待遇中予以扣除？</SPAN></SECTION><SECTION style='BOX-SIZING: border-box !important; FONT-SIZE: 16px; MAX-WIDTH: 100%; FONT-FAMILY: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; WHITE-SPACE: normal; WORD-SPACING: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: 400; COLOR: rgb(51,51,51); OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; FONT-STYLE: normal; TEXT-ALIGN: justify; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: 1px; OUTLINE-COLOR: invert; LINE-HEIGHT: 1.75em; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 2em; overflow-wrap: break-word; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial'><SPAN style='BOX-SIZING: border-box !important; FONT-SIZE: 15px; TEXT-DECORATION: none; MAX-WIDTH: 100%; FONT-FAMILY: 微软雅黑, "Microsoft YaHei"; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; LETTER-SPACING: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word'>法院认为，《工伤保险条例》第二条规定，中华人民共和国境内的企业、事业单位、社会团体、民办非企业单位、基金会、律师事务所、会计师事务所等组织和有雇工的个体工商户应当依照本条例规定参加工伤保险，为本单位全部职工或者雇工缴纳工伤保险费。工伤保险是社会保险的一个重要组成部分，是国家强制实施的一项社会保障制度，用人单位必须为劳动者参加工伤保险并依法缴纳工伤保险费，<SPAN class=wx_text_underline style="BOX-SIZING: border-box !important; CURSOR: pointer; MAX-WIDTH: 100%; BACKGROUND-POSITION: 0% 0%; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 2px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word">用人单位为职工购买商业性人身意外伤害保险的，不因此免除其为职工购买工伤保险的法定义务，职工获得用人单位为其购买的人身意外伤害保险赔付后，仍然有权向用人单位主张工伤保险待遇。</SPAN>故本案中保险公司向郭某支付的意外伤害金20万元，不应在甲公司向郭某支付的工伤保险待遇中予以扣减。一审判决后甲公司提起上诉，二审驳回上诉，维持原判。</SPAN></SECTION><SECTION style='BOX-SIZING: border-box !important; FONT-SIZE: 17px; MAX-WIDTH: 100%; FONT-FAMILY: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; WHITE-SPACE: normal; WORD-SPACING: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: 400; COLOR: ; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; FONT-STYLE: normal; TEXT-ALIGN: justify; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 0px; overflow-wrap: break-word; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial'> 
<P style="BOX-SIZING: border-box; MAX-WIDTH: 100%; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; TEXT-ALIGN: justify; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; CLEAR: both; MIN-HEIGHT: 1em; MARGIN: 0px; OUTLINE-COLOR: invert; LINE-HEIGHT: 1.75em; PADDING-RIGHT: 0px; overflow-wrap: break-word"><BR style="BOX-SIZING: border-box !important; MAX-WIDTH: 100%; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word"></P><SECTION style="BOX-SIZING: border-box !important; FONT-SIZE: 16px; MAX-WIDTH: 100%; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word"><SECTION style="BOX-SIZING: border-box !important; MAX-WIDTH: 100%; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; TEXT-ALIGN: center; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 10px 0px 20px; DISPLAY: flex; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word; justify-content: center; flex-flow: row" powered-by="xiumi.us"><SECTION style="BOX-SIZING: border-box !important; MAX-WIDTH: 100%; BORDER-TOP: 1px solid; HEIGHT: auto; BORDER-RIGHT: 1px solid; WIDTH: auto; VERTICAL-ALIGN: top; MIN-WIDTH: 5%; BORDER-BOTTOM: 1px solid; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 8px; PADDING-TOP: 8px; OUTLINE-STYLE: none; PADDING-LEFT: 8px; BORDER-LEFT: 1px solid; MARGIN: 0px; DISPLAY: inline-block; OUTLINE-COLOR: invert; PADDING-RIGHT: 8px; overflow-wrap: break-word; align-self: flex-start; flex: 0 0 auto; box-shadow: rgb(69, 119, 218) 6px 6px 0px 0px"><SECTION style="BOX-SIZING: border-box !important; MAX-WIDTH: 100%; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; TEXT-ALIGN: left; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word" powered-by="xiumi.us"><SECTION style="BOX-SIZING: border-box !important; FONT-SIZE: 17px; MAX-WIDTH: 100%; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; TEXT-ALIGN: justify; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word">
<P style="BOX-SIZING: border-box !important; MAX-WIDTH: 100%; WHITE-SPACE: normal; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; TEXT-ALIGN: left; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; CLEAR: both; MIN-HEIGHT: 1em; MARGIN: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word"><STRONG style="BOX-SIZING: border-box !important; MAX-WIDTH: 100%; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word">法官说法</STRONG></P></SECTION></SECTION></SECTION></SECTION></SECTION></SECTION><SECTION style='BOX-SIZING: border-box !important; FONT-SIZE: 16px; MAX-WIDTH: 100%; FONT-FAMILY: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; WHITE-SPACE: normal; WORD-SPACING: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: 400; COLOR: rgb(51,51,51); OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; FONT-STYLE: normal; TEXT-ALIGN: justify; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: 1px; OUTLINE-COLOR: invert; LINE-HEIGHT: 1.75em; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 2em; overflow-wrap: break-word; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial'><SPAN style='BOX-SIZING: border-box !important; FONT-SIZE: 15px; TEXT-DECORATION: none; MAX-WIDTH: 100%; FONT-FAMILY: 微软雅黑, "Microsoft YaHei"; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; LETTER-SPACING: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word'>实践中很多单位存在用工不规范的情形，未给具有劳动关系的职工购买工伤保险，导致发生工伤事故后企业要自行承担工伤保险责任的情况，在劳动争议案件中企业购买的团体意外伤害保险不能抵扣企业应承担的工伤保险责任。理由如下：</SPAN></SECTION><SECTION style='BOX-SIZING: border-box !important; FONT-SIZE: 16px; MAX-WIDTH: 100%; FONT-FAMILY: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; WHITE-SPACE: normal; WORD-SPACING: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: 400; COLOR: rgb(51,51,51); OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; FONT-STYLE: normal; TEXT-ALIGN: justify; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: 1px; OUTLINE-COLOR: invert; LINE-HEIGHT: 1.75em; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 2em; overflow-wrap: break-word; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial'><SPAN style='BOX-SIZING: border-box !important; FONT-SIZE: 15px; TEXT-DECORATION: none; MAX-WIDTH: 100%; FONT-FAMILY: 微软雅黑, "Microsoft YaHei"; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; LETTER-SPACING: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word'>一、从工伤保险的性质分析。《工伤保险条例》第二条规定，中华人民共和国境内的企业、事业单位、社会团体、民办非企业单位、基金会、律师事务所、会计师事务所等组织和有雇工的个体工商户应当依照本条例规定参加工伤保险，为本单位全部职工或者雇工缴纳工伤保险费。由此可见用人单位为职工缴纳工伤保险是其法定的强制性义务，如企业可以通过为职工办理意外伤害保险获赔的保险理赔款抵扣其对职工应承担的工伤保险赔偿，则相当于企业可以通过为职工办理意外伤害保险而替代缴纳工伤保险的法定义务，这显然与《工伤保险条例》的立法目的相悖。</SPAN></SECTION><SECTION style='BOX-SIZING: border-box !important; FONT-SIZE: 16px; MAX-WIDTH: 100%; FONT-FAMILY: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; WHITE-SPACE: normal; WORD-SPACING: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: 400; COLOR: rgb(51,51,51); OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; FONT-STYLE: normal; TEXT-ALIGN: justify; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: 1px; OUTLINE-COLOR: invert; LINE-HEIGHT: 1.75em; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 2em; overflow-wrap: break-word; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial'><SPAN style='BOX-SIZING: border-box !important; FONT-SIZE: 15px; TEXT-DECORATION: none; MAX-WIDTH: 100%; FONT-FAMILY: 微软雅黑, "Microsoft YaHei"; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; LETTER-SPACING: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word'>二、从意外伤害保险的性质分析。《中华人民共和国保险法》第三十九条规定，人身保险的受益人由被保险人或者投保人指定。投保人指定受益人时须经被保险人同意。投保人为与其有劳动关系的劳动者投保人身保险，不得指定被保险人及其近亲属以外的人为受益人。该条明确企业为劳动者投保人身保险时，受益人只能是被保险人及其近亲属。如企业为职工投保意外伤害险后可以直接在工伤保险赔偿责任中扣减该意外伤害保险理赔款，则企业成为实质意义上的受益人，有悖于《中华人民共和国保险法》的立法目的。</SPAN></SECTION><SECTION style='BOX-SIZING: border-box !important; FONT-SIZE: 16px; MAX-WIDTH: 100%; FONT-FAMILY: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; WHITE-SPACE: normal; WORD-SPACING: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: 400; COLOR: rgb(51,51,51); OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; FONT-STYLE: normal; TEXT-ALIGN: justify; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: 1px; OUTLINE-COLOR: invert; LINE-HEIGHT: 1.75em; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 2em; overflow-wrap: break-word; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial'><SPAN style='BOX-SIZING: border-box !important; FONT-SIZE: 15px; TEXT-DECORATION: none; MAX-WIDTH: 100%; FONT-FAMILY: 微软雅黑, "Microsoft YaHei"; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; LETTER-SPACING: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word'>三、劳动者可以获得双重赔偿。《中华人民共和国保险法》第四十六条规定，被保险人因第三者的行为而发生死亡、伤残或者疾病等保险事故的，保险人向被保险人或者受益人给付保险金后，不享有向第三者追偿的权利，但被保险人或者受益人仍有权向第三者请求赔偿。根据该条规定，如果被保险人的生命、健康遭到损害，被保险人或受益人可获得双重赔偿，此时被保险人与保险公司之间及被保险人和第三者之间属于不同的法律关系，此时不适用财产保险中的损失填补原则，劳动争议案件不同于侵权纠纷案件，亦不应适用损失填补原则。</SPAN></SECTION><SECTION style='BOX-SIZING: border-box !important; FONT-SIZE: 17px; MAX-WIDTH: 100%; FONT-FAMILY: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; WHITE-SPACE: normal; WORD-SPACING: 0px; TEXT-TRANSFORM: none; FONT-WEIGHT: 400; COLOR: ; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; FONT-STYLE: normal; TEXT-ALIGN: justify; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; ORPHANS: 2; WIDOWS: 2; MARGIN: 0px; LETTER-SPACING: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 0px; overflow-wrap: break-word; font-variant-ligatures: normal; font-variant-caps: normal; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial'><SECTION style="BOX-SIZING: border-box; MAX-WIDTH: 100%; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; TEXT-ALIGN: justify; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MIN-HEIGHT: 1em; MARGIN: 0px; OUTLINE-COLOR: invert; LINE-HEIGHT: 1.75em; PADDING-RIGHT: 0px; TEXT-INDENT: 2em; overflow-wrap: break-word"><BR style="BOX-SIZING: border-box !important; MAX-WIDTH: 100%; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word"></SECTION><SECTION style="BOX-SIZING: border-box !important; MAX-WIDTH: 100%; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; TEXT-ALIGN: left; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 10px 0px; DISPLAY: flex; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word; justify-content: flex-start; flex-flow: row" powered-by="xiumi.us"><SECTION style="BOX-SIZING: border-box !important; MAX-WIDTH: 100%; HEIGHT: auto; WIDTH: auto; VERTICAL-ALIGN: top; MIN-WIDTH: 5%; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 12px; MARGIN: 0px; DISPLAY: inline-block; OUTLINE-COLOR: invert; PADDING-RIGHT: 12px; overflow-wrap: break-word; flex: 0 0 auto"><SECTION style="BOX-SIZING: border-box !important; MAX-WIDTH: 100%; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; TEXT-ALIGN: center; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 10px 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word" powered-by="xiumi.us"><SECTION style="BOX-SIZING: border-box !important; OVERFLOW: hidden; MAX-WIDTH: 100%; HEIGHT: 18px; WIDTH: 18px; VERTICAL-ALIGN: top; BORDER-BOTTOM: rgb(255,255,255) 3px solid; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; BORDER-LEFT: rgb(255,255,255) 3px solid; MARGIN: 0px; DISPLAY: inline-block; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(229,103,87); overflow-wrap: break-word; box-shadow: rgba(229, 103, 87, 0.17) -9px 9px 0px"><SECTION style="BOX-SIZING: border-box !important; MAX-WIDTH: 100%; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; TEXT-ALIGN: justify; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word" powered-by="xiumi.us">
<P style="BOX-SIZING: border-box !important; MAX-WIDTH: 100%; WHITE-SPACE: normal; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; CLEAR: both; MIN-HEIGHT: 1em; MARGIN: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word"><BR style="BOX-SIZING: border-box !important; MAX-WIDTH: 100%; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word"></P></SECTION></SECTION></SECTION></SECTION><SECTION style="BOX-SIZING: border-box !important; MAX-WIDTH: 100%; HEIGHT: auto; WIDTH: auto; VERTICAL-ALIGN: top; MIN-WIDTH: 5%; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; DISPLAY: inline-block; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word; align-self: flex-start; flex: 0 0 auto"><SECTION style="BOX-SIZING: border-box !important; FONT-SIZE: 18px; MAX-WIDTH: 100%; COLOR: rgb(239,82,82); OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; TEXT-ALIGN: justify; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word" powered-by="xiumi.us">
<P style="BOX-SIZING: border-box !important; MAX-WIDTH: 100%; WHITE-SPACE: normal; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; CLEAR: both; MIN-HEIGHT: 1em; MARGIN: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word"><STRONG style="BOX-SIZING: border-box !important; MAX-WIDTH: 100%; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word">法条链接</STRONG></P></SECTION></SECTION></SECTION><SECTION style="BOX-SIZING: border-box !important; FONT-SIZE: 16px; MAX-WIDTH: 100%; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; OUTLINE-COLOR: invert; LINE-HEIGHT: 1.75em; PADDING-RIGHT: 0px; overflow-wrap: break-word"><SECTION style="BOX-SIZING: border-box !important; MAX-WIDTH: 100%; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; TEXT-ALIGN: right; 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OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; LETTER-SPACING: 1px; OUTLINE-COLOR: invert; LINE-HEIGHT: 1.9em; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 0em; overflow-wrap: break-word'><STRONG style="BOX-SIZING: border-box !important; MAX-WIDTH: 100%; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word"><SPAN style='BOX-SIZING: border-box !important; FONT-SIZE: 15px; TEXT-DECORATION: none; MAX-WIDTH: 100%; FONT-FAMILY: 微软雅黑, "Microsoft YaHei"; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; LETTER-SPACING: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word'>《工伤保险条例》</SPAN><SPAN style='BOX-SIZING: border-box !important; FONT-SIZE: 15px; MAX-WIDTH: 100%; FONT-FAMILY: 微软雅黑, "Microsoft YaHei"; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; LETTER-SPACING: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; TEXT-INDENT: 0em; overflow-wrap: break-word'>第二条</SPAN></STRONG><SPAN style='BOX-SIZING: border-box !important; FONT-SIZE: 15px; MAX-WIDTH: 100%; FONT-FAMILY: 微软雅黑, "Microsoft YaHei"; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; LETTER-SPACING: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; TEXT-INDENT: 0em; overflow-wrap: break-word'><SPAN>&nbsp;</SPAN>中华人民共和国境内的企业、事业单位、社会团体、民办非企业单位、基金会、律师事务所、会计师事务所等组织和有雇工的个体工商户（以下称用人单位）应当依照本条例规定参加工伤保险，为本单位全部职工或者雇工（以下称职工）缴纳工伤保险费。</SPAN></SECTION><SECTION style='BOX-SIZING: border-box !important; FONT-SIZE: 16px; MAX-WIDTH: 100%; FONT-FAMILY: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; WHITE-SPACE: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; TEXT-ALIGN: justify; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; LETTER-SPACING: 1px; OUTLINE-COLOR: invert; LINE-HEIGHT: 1.9em; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 0em; overflow-wrap: break-word'><SPAN style='BOX-SIZING: border-box !important; FONT-SIZE: 15px; MAX-WIDTH: 100%; FONT-FAMILY: 微软雅黑, "Microsoft YaHei"; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; LETTER-SPACING: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; TEXT-INDENT: 0em; overflow-wrap: break-word'><BR style="BOX-SIZING: border-box !important; MAX-WIDTH: 100%; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word"></SPAN></SECTION><SECTION style='BOX-SIZING: border-box !important; FONT-SIZE: 16px; MAX-WIDTH: 100%; FONT-FAMILY: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; WHITE-SPACE: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; TEXT-ALIGN: justify; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; LETTER-SPACING: 1px; OUTLINE-COLOR: invert; LINE-HEIGHT: 1.9em; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 0em; overflow-wrap: break-word'><STRONG style="BOX-SIZING: border-box !important; MAX-WIDTH: 100%; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word"><SPAN style='BOX-SIZING: border-box !important; FONT-SIZE: 15px; TEXT-DECORATION: none; MAX-WIDTH: 100%; FONT-FAMILY: 微软雅黑, "Microsoft YaHei"; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; LETTER-SPACING: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word'>第六十二条<SPAN>&nbsp;</SPAN></SPAN></STRONG><SPAN style='BOX-SIZING: border-box !important; FONT-SIZE: 15px; TEXT-DECORATION: none; MAX-WIDTH: 100%; FONT-FAMILY: 微软雅黑, "Microsoft YaHei"; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; LETTER-SPACING: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word'>依照本条例规定应当参加工伤保险而未参加工伤保险的用人单位职工发生工伤的，由该用人单位按照本条例规定的工伤保险待遇项目和标准支付费用。</SPAN></SECTION><SECTION style='BOX-SIZING: border-box !important; FONT-SIZE: 16px; MAX-WIDTH: 100%; FONT-FAMILY: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; WHITE-SPACE: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; TEXT-ALIGN: justify; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; LETTER-SPACING: 1px; OUTLINE-COLOR: invert; LINE-HEIGHT: 1.9em; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 0em; overflow-wrap: break-word'><SPAN style='BOX-SIZING: border-box !important; FONT-SIZE: 15px; TEXT-DECORATION: none; MAX-WIDTH: 100%; FONT-FAMILY: 微软雅黑, "Microsoft YaHei"; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; LETTER-SPACING: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word'><BR style="BOX-SIZING: border-box !important; MAX-WIDTH: 100%; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word"></SPAN></SECTION><SECTION style='BOX-SIZING: border-box !important; FONT-SIZE: 16px; MAX-WIDTH: 100%; FONT-FAMILY: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; WHITE-SPACE: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; TEXT-ALIGN: justify; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; LETTER-SPACING: 1px; OUTLINE-COLOR: invert; LINE-HEIGHT: 1.9em; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 0em; overflow-wrap: break-word'><STRONG style="BOX-SIZING: border-box !important; MAX-WIDTH: 100%; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word"><SPAN style='BOX-SIZING: border-box !important; FONT-SIZE: 15px; TEXT-DECORATION: none; MAX-WIDTH: 100%; FONT-FAMILY: 微软雅黑, "Microsoft YaHei"; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; LETTER-SPACING: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word'>《中华人民共和国保险法》</SPAN><SPAN style='BOX-SIZING: border-box !important; FONT-SIZE: 15px; MAX-WIDTH: 100%; FONT-FAMILY: 微软雅黑, "Microsoft YaHei"; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; LETTER-SPACING: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; TEXT-INDENT: 0em; overflow-wrap: break-word'>第三十九条</SPAN></STRONG><SPAN style='BOX-SIZING: border-box !important; FONT-SIZE: 15px; MAX-WIDTH: 100%; FONT-FAMILY: 微软雅黑, "Microsoft YaHei"; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; LETTER-SPACING: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; TEXT-INDENT: 0em; overflow-wrap: break-word'><SPAN>&nbsp;</SPAN>人身保险的受益人由被保险人或者投保人指定。投保人指定受益人时须经被保险人同意。投保人为与其有劳动关系的劳动者投保人身保险，不得指定被保险人及其近亲属以外的人为受益人。</SPAN></SECTION><SECTION style='BOX-SIZING: border-box !important; FONT-SIZE: 16px; MAX-WIDTH: 100%; FONT-FAMILY: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; WHITE-SPACE: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; TEXT-ALIGN: justify; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; 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WHITE-SPACE: normal; COLOR: rgb(51,51,51); OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; TEXT-ALIGN: justify; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; LETTER-SPACING: 1px; OUTLINE-COLOR: invert; LINE-HEIGHT: 1.9em; PADDING-RIGHT: 0px; BACKGROUND-COLOR: rgb(255,255,255); TEXT-INDENT: 0em; overflow-wrap: break-word'><STRONG style="BOX-SIZING: border-box !important; MAX-WIDTH: 100%; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word"><SPAN style='BOX-SIZING: border-box !important; FONT-SIZE: 15px; TEXT-DECORATION: none; MAX-WIDTH: 100%; FONT-FAMILY: 微软雅黑, "Microsoft YaHei"; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; LETTER-SPACING: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word'>第四十六条<SPAN>&nbsp;</SPAN></SPAN></STRONG><SPAN style='BOX-SIZING: border-box !important; FONT-SIZE: 15px; TEXT-DECORATION: none; MAX-WIDTH: 100%; FONT-FAMILY: 微软雅黑, "Microsoft YaHei"; OUTLINE-WIDTH: 0px; PADDING-BOTTOM: 0px; PADDING-TOP: 0px; OUTLINE-STYLE: none; PADDING-LEFT: 0px; MARGIN: 0px; LETTER-SPACING: 0px; OUTLINE-COLOR: invert; PADDING-RIGHT: 0px; overflow-wrap: break-word'>被保险人因第三者的行为而发生死亡、伤残或者疾病等保险事故的，保险人向被保险人或者受益人给付保险金后，不享有向第三者追偿的权利，但被保险人或者受益人仍有权向第三者请求赔偿。</SPAN></SECTION></SECTION></SECTION></SECTION></SECTION>
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