Which of the following best describes 'occupational accident insurance'?

Occupational accident insurance is designed specifically to provide coverage for injuries or illnesses that arise as a direct result of activities related to one's employment. This type of insurance typically includes benefits for medical expenses, lost wages, and rehabilitation costs associated with work-related accidents or health issues. It is crucial in protecting workers by ensuring they have financial support in the event of job-related injuries, which can sometimes lead to long-term disabilities or other significant consequences.

The other options do not accurately reflect the nature of occupational accident insurance. Recreational activities are typically considered personal and unrelated to employment, so coverage for injuries in that context would not fall under this category. Insurance for property damage instead focuses on physical assets, which is unrelated to the coverage of injuries or illnesses incurred by workers. Lastly, insurance that provides only health benefits does not capture the full scope of occupational accident insurance, which also encompasses financial compensation for lost income and other workplace-related costs.