Which type of insurance typically covers accidental physical injuries?

Health insurance is designed to cover a range of medical costs related to injuries and illnesses, including those caused by accidents. When someone suffers a physical injury, health insurance typically provides coverage for hospital stays, surgeries, outpatient treatments, and rehabilitation services that may be necessary as a result of that injury.

This type of insurance aims to alleviate the financial burden associated with medical care after an accident, ensuring that individuals receive the necessary treatment without prohibitive out-of-pocket expenses. Furthermore, health insurance can cover preventive services that may help reduce the risk of accidents and subsequent injuries in the first place.

In contrast, life insurance primarily provides financial support to beneficiaries in the event of the insured's death, while property insurance deals with damage or loss to physical assets. Disability insurance, on the other hand, offers income replacement if a person is unable to work due to a disability resulting from an injury or illness but does not cover the medical expenses related to that injury directly.