General enterprises regard this accident insurance as a gift for employees' welfare, which also reflects the care for employees and enhances their centripetal force. To some extent, it also protects the interests of the enterprise itself. In any case, most of them are purchased by enterprises for employees, and your enterprise runs counter to it, which is puzzling.

Of course, it is illegal to force employees to buy. You can consult the complaint labor department to correct it.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.