Who obtains the insurance damages are deserved?

Who obtains the insurance damages are deserved?
The firewood women incoming telegram of city of Jiangxi state: A little more than a month ago, my son, while joining the school and cleaning up, because the ground was wet and slippery to hurt the elbow joint, the school sends my son to the hospital treatment in time, and paid the hospitalization cost of nearly one thousand yuan. Because of buying students unexpected injury insurance, the insurance company, according to procedure and medical fee note which the school offer, has paid the damages of more than 600 yuan to the school, could you tell me whether the school has the right to obtain the insurance premium?
Probational reporter Liu Zhi just inquired: Recently, reporters consulted the municipal medical insurance office of Jiangxi state on this. According to the introduction of its staff member, the school has no right to obtain these insurance premium of more than 600 yuan.
Because lady's son insures for student's unexpected injury while starting a new term, form the relation of the contract of insurance with the insurance company with firewood, the beneficiary is a firewood lady's son. Injured unexpectedly the medical fee produced within insurance indentured period as to the firewood lady's son, the insurance company should agree on according to the contract of insurance, pay the beneficiary ladies' son of firewood the damages surely. The school is not the beneficiary in the contract of insurance, therefore have no right to obtain the insurance company and insure what has been paid for the damages.
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