What is the primary purpose of Accident and Sickness insurance?

Accident and Sickness insurance is fundamentally designed to offer financial protection against unexpected medical expenses that arise due to accidents or illnesses. This type of insurance helps individuals cover costs related to hospital stays, surgeries, and other medical procedures, which can be significant and often unexpected. By having this insurance, policyholders can mitigate the financial burdens that come with healthcare needs, allowing them to focus on recovery rather than stressing over the cost of medical treatment.

While there are various types of insurance that cater to different needs, such as travel insurance for incidents that occur while traveling or disability insurance that compensates for lost wages, these do not align with the primary purpose of Accident and Sickness insurance. Furthermore, the notion of fully covering every type of healthcare service is unrealistic and does not reflect the nature of insurance, which typically includes limitations, exclusions, and varying levels of coverage based on the policy. Thus, option A captures the essential function of Accident and Sickness insurance accurately.