What does an accident insurance policy typically cover?

An accident insurance policy is designed specifically to provide coverage for injuries that arise as a direct result of an accidental event. This type of insurance is focused on unforeseen incidents, such as slips, falls, or other accidents, which lead to injuries. The pivotal point of accident insurance is that it is not concerned with circumstances that are predictable or unavoidable, such as illnesses or injuries caused by natural disasters, which are not covered under this policy type.

While other options mention potential scenarios that might involve injury, they do not align with the core purpose of accident insurance. For instance, injuries from natural disasters or work-related incidents may be covered under different types of insurance policies, such as health insurance or workers' compensation. Similarly, injuries sustained while traveling abroad could fall under travel insurance, not accident insurance. Thus, the clear focus of accident insurance on accidents makes this the correct choice.