Accident insurance covers which of the following?

Accident insurance specifically provides coverage for injuries that occur unexpectedly due to accidents, which can happen in various environments such as school or the workplace. This type of insurance is designed to help cover medical expenses or loss of income that results from these accidents, emphasizing its role in addressing the immediate financial implications arising from unforeseen injuries.

In contrast, other options like illnesses during hospital visits, long-term disability, and chronic diseases typically fall under different categories of insurance, such as health insurance or disability insurance. These cover ongoing medical issues and are not limited to the acute, unexpected nature of accidents that accident insurance is designed to address. Therefore, the focus of accident insurance on injuries related to accidents in dynamic environments makes this the correct answer.