For the most comprehensive cover, it might be worth taking out a stand-alone personal accident insurance policy.
If you don't have a separate policy, any cover you do have will potentially be an add-on or optional extra to a car insurance or travel policy for example. Because of this, it may be more limited about when the cover applies and potential exclusions. For example, your travel insurance will only offer you cover while you’re on holiday and not year-round, or your car policy will cover you in a car accident, but not any other kind of accident.
Add-ons can be also restrictive when it comes to who is covered. Some policies may only cover the policy holder and their partner, and it might not be as comprehensive as a stand-alone policy.