Accidental insurance in Nepal offers financial protection in the event of accidental death or injury. It usually covers accidental death, permanent total disability, permanent partial disability, and temporary total disability. This insurance can be bought as a standalone policy or as an add-on to a life insurance policy. Premiums depend on factors like age, occupation, and coverage level. Accidental insurance provides financial security to individuals and their families if an accident leads to death or disability, helping with medical costs and income loss.