Which type of health insurance should be purchased by a person who wants coverage for hospital bills in the event of accidental injury?

A person seeking coverage specifically for hospital bills resulting from an accidental injury should opt for medical expense insurance. This type of insurance is designed to cover various hospital-related costs, including stays, treatments, surgeries, and other medical care required as a result of an accident. It focuses on the actual medical expenses incurred, making it ideal for individuals who want protection against potential financial burdens arising from healthcare services needed after an accidental injury.

Disability income insurance, on the other hand, provides financial support in the form of income replacement if a person is unable to work due to a disability, but it does not cover hospital bills or medical expenses directly. Accidental dismemberment insurance pays benefits in the case of serious injuries that result in the loss of limbs or functions, but it does not cover hospital expenses. Lastly, workers compensation is intended for individuals who sustain injuries while performing work-related duties and is specific to employment; it wouldn't apply to all accidental injuries outside the work environment.

Thus, for someone wanting to specifically cover hospital bills from an accidental injury, medical expense insurance is the most suitable option.