Accident insurance covers you in the event of accidental injury, disability or death.
According to current legislation, an accident at work is any bodily injury suffered by the worker during or as a result of the work performed on behalf of others.
A personal accident is one that happens suddenly and cannot be foreseen, and which causes injury, disability or death to the insured party.
Life insurance covers death by any cause, while accident insurance only covers death in the event of an accident.