What is primarily covered by personal accident and sickness insurance?

Personal accident and sickness insurance is specifically designed to provide financial protection in the event of accidents or illnesses that impact an individual's ability to work. This type of insurance typically offers coverage for medical expenses resulting from injuries or illnesses and may provide income replacement if the policyholder is unable to work due to these circumstances.

In the context of this insurance, "accidental injury" refers to unforeseen events that cause physical harm, while "sickness" encompasses a range of health issues that can prevent a person from performing their job. Therefore, the primary focus of personal accident and sickness insurance is to safeguard against the financial repercussions of such medical events, allowing individuals to manage their financial responsibilities even when they are unable to earn income due to these covered situations.

The other options relate to different types of risk. Vehicle damage is addressed by automobile insurance, losses from a business would fall under commercial insurance products, and theft of personal belongings is typically covered by homeowners or renters insurance. Each of these areas has its own tailored insurance policies that do not overlap with the specific intent of personal accident and sickness insurance.