What does the term 'occupational hazard' refer to?

The term 'occupational hazard' refers specifically to risks associated with a person's job that can potentially impact their health and well-being. This concept is crucial in the context of accident and sickness insurance, as it encompasses factors that can lead to injuries or illnesses directly related to one's work environment or job duties. Understanding occupational hazards is vital for both employees and insurers because it influences the types of coverage that may be necessary and the risks that need to be managed in the workplace. By identifying these risks, preventive measures can be put in place, and appropriate insurance products can be tailored to protect individuals who may be at a higher risk due to their occupations.