Health insurance offers you compensation/reimbursement of any medical or hospitalization expenses, while life insurance offer death benefit to your nominee after your demise.
Personal Accidental Insurance would, however, insure you against any financial crisis that could occur due to any accidental permanent disability, accidental dismemberment, accidental death or any medical expenses owing to the treatment of accidental injuries. This policy would certainly enhance your financial portfolio apart from providing financial security, especially, if you are the sole earner of your family.