中文：

意外险是一种保险产品，它为被保险人在日常生活中因意外事故导致的人身伤害或死亡提供保障。意外险的保险责任通常包括因意外事故导致的身故、残疾、烧伤、医疗费用等。

意外险的保险费通常比较便宜，因为意外事故的发生率相对较低。它是一种比较灵活的保险产品，可以根据被保险人的需求和预算选择不同的保障方案。

意外险的种类很多，包括个人意外险、旅游意外险、交通意外险、团体意外险等。不同的意外险保障范围和保险责任也有所不同，被保险人可以根据自己的需求和风险情况选择适合自己的保险产品。

英文：

Accident insurance is an insurance product that provides coverage for personal injury or death caused by accidental events in daily life. The insurance obligations usually include death, disability, burns, medical expenses caused by accidental events.

The insurance premium of accident insurance is usually relatively inexpensive, because the occurrence rate of accidental events is relatively low. It is a more flexible insurance product, and the insured can choose different protection plans according to their needs and budget.

There are many types of accident insurance, including personal accident insurance, travel accident insurance, transportation accident insurance, group accident insurance, etc. Different accident insurance coverage and insurance obligations are also different, and the insured can choose the insurance product that suits their own needs and risk situation.