Accident insurance offers targeted financial protection for unforeseen accidents or injuries, distinct from the comprehensive coverage of health insurance. It provides benefits for accident-related expenses like emergency room visits, surgeries, and hospital stays. Payments are typically made as a lump sum or predetermined benefits, irrespective of where the accident occurs. This additional layer of protection complements existing insurance policies, providing individuals with added financial security and peace of mind. It's particularly valuable for those seeking affordable coverage to address specific accident-related expenses and bridge potential gaps in their overall insurance coverage.