工伤和保险中，保险通常更划算。
工伤保险是一种强制性的社会保险制度，由雇主和劳动者按一定比例共同缴纳。工伤保险的赔偿标准较为明确，一般包括医疗费用、伤残补偿、丧葬费以及因工死亡的抚恤金等，而且赔偿金额较高。工伤保险相对于工伤赔偿有统一赔偿标准、保障全面、长期稳定等优势。
因此从长远来看工伤保险更划算。
其实这个问题的答案因人而异。工伤是在工作过程中受到意外伤害或患病后工作能力受到损失，工资和医疗费用由企业承担。而保险是一种通过购买保险保障自己或家人的方式，有意外、疾病、重疾等保障。
如果是容易受伤的职业，建议购买工伤保险；如果是日常生活过程中需要更多保障的人群，购买保险会更合适。无论购买何种保险，都建议在了解清楚条款后再做出决定。
尊敬的公司领导：
我谨代表本人，就有关工伤和离职报告的问题，向公司提交如下书面申请。
On 2023-11-04,I sustained an accident at the construction site,resulting in a serious injury.After being rushed to the hospital,I was diagnosed with a broken leg and required several weeks of rest and treatment.
During my recovery period,I had to inform my supervisor and HR department about my injury and provide them with a written notice of my leave.As per our company's policies,we promptly informed our HR department and Workplace Safety & Health Department about the incident and requested for an extension of my leave period.
After receiving medical treatment and advice from our doctor,I have decided to terminate my employment with the company as of 2023-11-05.This decision was not taken lightly,but after careful consideration,I believe it is in my best interests as well as the company's interests.
I am grateful for the support and care provided by the company during my injury,and I will always be grateful to you for your understanding during