Which type of insurance covers specific incidents such as accidents or critical illnesses?

Accident insurance specifically provides coverage for incidents that result in accidental injuries. This type of insurance focuses on the financial impact of unexpected accidents, helping policyholders manage the costs associated with these events. It can cover medical expenses, loss of income due to inability to work, and sometimes even additional benefits resulting from the accident.

In the context of critical illnesses, while accident insurance does not directly cover them, the type of insurance that typically does is critical illness insurance, which is often a part of more comprehensive health coverage or specialized policies. Therefore, while accident insurance directly addresses incidents like accidents, comprehensive medical insurance might cover a broader range of health issues but is not limited to specific incidents in the same way.

Life insurance primarily protects against the risk of death, providing a benefit to beneficiaries upon the policyholder's passing. Property insurance covers damage to or loss of physical assets, ensuring that personal property is protected. Neither of these options addresses specific incidents like accidents or illnesses. Thus, accident insurance is the most relevant choice when considering coverage for specific incidents.