What does occupational accident insurance cover?

Occupational accident insurance specifically provides coverage for employees who suffer injuries as a result of accidents that occur while they are performing their job duties. This type of insurance is designed to offer financial protection for medical expenses, lost wages, and rehabilitation costs incurred from work-related incidents.

The focus of occupational accident insurance is on accidents that take place during the course of employment, which helps ensure that workers receive the appropriate support and compensation for injuries sustained in the workplace. This is vital for both the employee's recovery and the employer's responsibility to maintain a safe working environment.

In contrast, the other options describe scenarios that fall outside the specific coverage of occupational accident insurance. For instance, benefits for injuries that occur off the job, medical expense coverage only, and long-term disability insurance are not included in this type of policy. Concisely, the correct answer highlights the policy’s primary purpose of protecting workers from on-the-job accidents.