Which type of insurance helps with medical expenses when an employee gets injured on the job?

Worker's compensation is specifically designed to provide coverage for medical expenses and other related costs when an employee is injured on the job. This type of insurance ensures that injured workers receive the necessary medical treatment and rehabilitation services without having to pay out of pocket. Additionally, worker's compensation can also offer wage replacement benefits if the injury prevents the employee from working.

Health insurance generally covers a broad range of medical expenses, but it does not specifically cater to workplace injuries and may involve different processes for claims and coverage. Disability insurance provides financial support in the event that an individual cannot work due to a disability, but it is not limited to work-related injuries and does not directly cover medical costs associated with those injuries. Unemployment insurance, on the other hand, offers temporary financial assistance to individuals who have lost their jobs through no fault of their own, and does not address medical expenses or injuries sustained in the workplace.