Accident insurance mainly includes personal accident insurance, group accident insurance, aviation accident insurance, travel accident insurance, accommodation passenger accident insurance and overseas personnel accident insurance. Accident insurance can also be attached to various life insurance contracts as additional risks.

Accident insurance products of insurance companies define accidental injuries as physical injuries caused by external, sudden and unintentional objective events as direct and separate reasons. It is an insurance with the insured's body as the subject matter and the death, disability, medical expenses or temporary incapacity caused by the insured's accidental injury as the condition for paying insurance benefits.