What is the primary characteristic of a nonoccupational policy?

A nonoccupational policy primarily covers injuries and illnesses that occur off the job. This type of policy is designed specifically to provide benefits for health-related issues and accidents that do not happen during the course of employment. In essence, it distinguishes between what is covered while engaged in work-related activities and what is covered during personal time or outside of work, ensuring that individuals have protection for their health outside of their job duties.

Because of this focus, a nonoccupational policy does not provide coverage for injuries that occur on the job, which is typically covered under workers' compensation policies. Additionally, while it may cover various activities, it is not intended for worldwide coverage or for all types of injuries, particularly those incurred in a work environment. Understanding this characteristic helps clarify the scope and intent of nonoccupational policies in health insurance and planning.