What kind of insurance includes both accident and health coverages?

Health insurance encompasses a broad range of coverage designed to protect individuals against financial loss associated with medical expenses. This type of insurance typically includes not only routine medical costs but also accident-related expenses. By its nature, health insurance is structured to provide both accident coverage, which addresses injuries or conditions arising from unforeseen events, and general health coverage, which deals with preventive care, chronic illness treatments, and various other health-related issues.

In contrast, liability insurance primarily offers protection against claims from injuries or damage to other people or property. Property insurance focuses on the protection of physical assets rather than health-related costs. Critical illness insurance provides coverage for specified severe health conditions but does not generally encompass the full spectrum of health and accident coverages found in standard health insurance plans. Therefore, health insurance is the best-fit answer as it inherently includes both accident and general health coverage.