What is accidental insurance

Accidental insurance is a specialized policy that provides financial benefits in the event of injury, disability, or death caused solely by an accident. Unlike standard health or life insurance, it only applies to accidents—not illnesses or natural causes.

Typical coverage includes:

• Accidental death benefits

• Lump sum payments for injuries (e.g., fractures, burns)

• Coverage for total or partial disability

• Hospital and medical expense reimbursements

• Emergency transportation costs