工伤保险,又称“职业伤害赔偿保险”.是保障劳动者在生产经营过程中遭受意外伤害或患职业病,以及因这两种情况造成的死亡、暂时或永久丧失劳动能力时,劳动者及其遗属能够从国家、社会得到必要的物质补偿的制度。工伤保险除遵循风险分担、互助互济、保障与赔偿结合等社会保险的基本原则外,需遵循的重要原则是“无过失补偿原则”。这是工伤保险有别干其他社会保险的最主要特征。 Occupational injury insurance, also known as “occupational injury insurance” is to protect workers in the course of production and management suffered accidental injury or occupational disease, and the deaths caused by both cases, temporary or permanent loss of ability to work, the workers And their dependents can get necessary material compensation from the state and society. Apart from following the basic principles of social insurance such as risk sharing, mutual assistance and mutual assistance, protection and compensation, the important principle to be followed is the “principle of no-fault compensation”. This is the most important feature of industrial injury insurance and other social insurances.