What type of coverage does "personal accident insurance" provide?

Personal accident insurance is designed specifically to provide financial compensation for injuries that an individual may sustain as a result of accidents. This type of coverage typically includes benefits for temporary or permanent disablement, loss of limbs, and sometimes even accidental death. It is focused solely on the individual’s personal injuries resulting from accidents, regardless of the location, be it at home, work, or during leisure activities.

Options that describe vehicle accidents only or limit coverage to natural disasters do not encompass the breadth of situations addressed by personal accident insurance. Additionally, liability protection is a completely different category of insurance focused on covering the costs associated with claims against the insured for injury or damage to third parties, which is not applicable to personal accident policies. Rather, personal accident insurance aims to offer financial support directly related to the insured's injury, delivering peace of mind in the event an unexpected accident occurs.