What is typically included in accident and health insurance?

Accident and health insurance is designed to provide financial protection against various health-related expenses and income loss due to accidents or health issues. Disability coverage is a key component of this type of insurance because it offers income replacement if an individual becomes unable to work due to a medical condition or accident. This can include short-term and long-term disability policies that assist in covering daily living expenses when one cannot earn an income due to such circumstances.

Other options like pension benefits, life insurance benefits, and retirement annuities do not fall under the typical framework of accident and health insurance. Pension benefits and retirement annuities are related to financial planning for retirement, while life insurance benefits focus on providing financial support to beneficiaries in the event of the policyholder's death. These areas serve different purposes than the primary focus of accident and health insurance, which is to manage financial risks associated with health-related issues and accidents.