What type of coverage is provided for injuries that happen while off duty?

Nonoccupational coverage is designed to provide benefits for injuries and illnesses that occur outside of an individual's job or work-related activities. This type of coverage is essential for instances such as accidents during recreational activities, injuries at home, or health issues arising from non-work-related events. It is often included in health insurance plans to ensure that individuals are protected regardless of their employment status or work environment.

In contrast, workers' compensation specifically addresses injuries that occur as a direct result of job-related duties, meaning it would not apply to injuries happening during leisure time or non-work activities. Occupational coverage pertains to protection offered for work-related illnesses and injuries, thus further differentiating it from nonoccupational concerns. Life income, on the other hand, relates to a benefit payment structure that guarantees income for the lifetime of the insured but does not pertain to injury coverage. Therefore, nonoccupational coverage is the correct type of insurance for injuries occurring while off duty.