为什么买意外险？这个问题的答案涉及到多个因素，下面我们来一一探讨。

首先，意外险是一种保障人们生命和健康的保险产品。它可以在人们遭受意外伤害时，为其提供医疗费用、康复费用和收入损失等保障。购买意外险可以有效地降低因意外伤害带来的经济风险，避免因伤致贫或因病返贫的情况发生。英文翻译为: Why buy accident insurance? The answer to this question involves multiple factors, let's explore them one by one.

Firstly, accident insurance is an insurance product that protects people's lives and health. It can provide medical expenses, rehabilitation expenses, and income loss protection for people who suffer from accidental injuries. Buying accident insurance can effectively reduce economic risks caused by accidental injuries and avoid situations of poverty caused by injuries or illness.

其次，意外险是一种针对突发事件的应对策略。人生充满了不确定性，突如其来的意外往往让人措手不及。购买意外险可以为人们提供一份心理保障，减轻面对突发事件时的心理压力。此外，意外险的保费相对较低，而保障程度却很高，具有很高的性价比。英文翻译为: Secondly, accident insurance is a response strategy for unexpected events. Life is full of uncertainty, and unexpected accidents often catch people off guard. Buying accident insurance can provide people with a psychological guarantee and reduce psychological pressure when facing unexpected events. Additionally, the premium for accident insurance is relatively low, but the level of protection is high, making it very cost-effective.