What insurance type specifically covers expenses incurred due to an accidental injury?

Accidental death and dismemberment insurance is specifically designed to provide benefits in the event of death or severe injuries resulting from an accident. This insurance type directly addresses the financial impact that can arise from accidental injuries, offering coverage for medical expenses incurred as a result.

In contrast, health insurance typically covers a broad range of medical expenses regardless of the cause of the injury or illness, and may not focus specifically on accidents. Disability insurance provides income replacement if an individual cannot work due to injury or illness but does not directly cover medical expenses related to the incident. Critical illness insurance provides a lump sum benefit upon diagnosis of specified serious conditions, rather than covering expenses incurred from accidents.

Thus, the focus of accidental death and dismemberment insurance on expenses specifically stemming from accidental injuries makes it the appropriate choice in this context.