Ace the OTL Challenge 2026 – Unlock Your Insurance Success Story!

Occupational accident insurance offers benefits specifically for injuries that occur in the workplace. This type of insurance is designed to cover medical expenses, rehabilitation costs, and potentially lost wages resulting from accidents that happen while an employee is performing job-related duties. It is an important safety net for employees, ensuring that they receive financial support in the event of an injury incurred during work.

The other options do not align with the purpose of occupational accident insurance. Health insurance coverage typically encompasses a broader range of medical services and not just workplace-related injuries. Retirement benefits focus on securing an income after an individual has stopped working, whereas liability protection for employers is aimed at safeguarding the employer against legal claims resulting from harm caused to employees or third parties, not directly addressing the coverage for injured workers. Therefore, the correct focus of occupational accident insurance clearly revolves around providing benefits for workplace injuries.