保险是现代国家管理社会的重要产品和手段。西方工业化国家保险制度发展较早,保险机构介入生产安全事故预防已成为国际上通行做法和成熟经验。目前,在全球近200个国家中,有170多个国家建立了不同形式的社会保障制度。其中,建立工伤保险的有164个国家, Insurance is an important product and means of managing the society in modern countries. The development of the insurance system in the industrialized countries in the West has been relatively early. The prevention of accidents involving production safety has become an internationally accepted practice and a mature experience. At present, more than 170 countries in nearly 200 countries have established different forms of social security systems. Among them, the establishment of work-related injury insurance in 164 countries,