What is the primary purpose of accident and health insurance?

The primary purpose of accident and health insurance is to provide financial protection against medical expenses that arise due to illness or injury. This type of insurance helps cover a variety of costs associated with healthcare, including hospital stays, surgeries, outpatient visits, rehabilitation, and preventive care. By alleviating the financial burden that can arise from unexpected health-related incidents, it allows individuals to seek necessary medical care without the constant worry of how they will pay for it.

This focus on medical expenses is crucial, especially given the rising costs of healthcare, as it ensures that individuals have access to necessary treatments and services. The other choices mentioned do not align with the fundamental aim of accident and health insurance; for instance, covering property damage is typically the realm of homeowners or auto insurance, while travel reimbursements and the income of insurance agents do not directly relate to the purpose of safeguarding individuals against healthcare costs. Thus, the correct answer highlights the essential function of accident and health insurance in maintaining wellbeing and financial stability when faced with health challenges.