What is the scope of those accident insurance?
My granddaughter was lifting up the thermos up the stairs. I just fill it up with the new boiling water that can be used for making coffee. While she was going up the stairs, the thermos broke, thus, accidentally soaked her feet with boiling water. She was crying so loud because her feet was all bloated. We rushed her to the hospital because we were afraid.
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There are a bunch of different kinds of insurances. In this situation, if she has medical insurance, it is covered by it. Having insurance is a good thing to have for emergencies like this. You can use your insurance most of the time in times of need. Having different kinds of insurance is not a big deal, it is just for your security.