Which insurance covers only accidents that occur off the job?

The insurance that covers only accidents that occur off the job is classified as Group Health Insurance. This type of insurance is designed to provide medical benefits, which typically include coverage for accidents that occur outside of work, as well as illnesses. Group health insurance is often provided by employers and covers a group of people under a single policy, making it a commonly chosen option for providing comprehensive health care benefits.

This type of insurance usually covers medical expenses resulting from off-the-job accidents without extending to work-related incidents, which are generally covered under workers' compensation insurance instead. Thus, individuals benefiting from group health insurance can seek medical care for injuries that occur during leisure activities or outside work, ensuring that they have financial support in managing healthcare costs arising from such incidents.