What do accident-only policies primarily cover?

Accident-only policies primarily cover health care costs resulting from an accident. These types of policies are designed to provide benefits specifically for injuries that occur as a direct result of unforeseen accidents, such as falls, car accidents, or recreational injuries. They do not provide coverage for medical expenses related to illnesses or routine healthcare needs, which distinguishes them from broader health insurance plans.

The focus of accident-only policies is on the financial relief that comes when a sudden, unexpected event results in an injury, ensuring that policyholders can receive treatment without incurring significant out-of-pocket costs. This specialized coverage can be especially useful for individuals who want additional protection for accidents or those who may not require a comprehensive health plan that includes coverage for illnesses or routine medical care.

Overall, accident-only policies serve a specific purpose in the insurance market by mitigating risks associated with unexpected accidents, making option C the most accurate answer in this context.