If bad health condition and accident make you incapable to work so that you may lose your income, you should consider some insurance policies to protect you. I mean that you will still have the chance to still receive your regular income or payment when you get an accident or fall sick so that you cannot work again because some insurance policies give you such benefits. Maybe I can mention some of insurance policies here.
The first insurance I would like to tell you is accident sickness and unemployment insurance. This is a short-term insurance giving you the mortgage payment protection when you are on leave at your work due to sickness, accident, or other may apply. I think this type of insurance is suitable for employees with high risks at workplace even though those with no high risks can take this insurance.
The next insurance type is income protection insurance. So, if you depend on your income or salary to fulfill your needs, you should be careful because you can lose your income due to some reasons such as accident and sickness. I think you never want that happens to you, so consider taking income protection insurance because it is a long-term insurance policy.
The last insurance type that I would like to tell you is critical illness cover. It is an insurance policy to cover some serious diseases such as heart attack, cancers, strokes, and others. If you think you need this insurance policy, you can buy it to protect you and your family when those diseases kill your career and life.