Which of the following is NOT a function of accident and health insurance?

Accident and health insurance primarily focuses on covering medical expenses and providing financial support during periods of illness or disability due to accidents or health-related issues. The main functions of such insurance include covering medical costs related to accidents, offering income replacement when an individual is disabled and unable to work, and paying for hospital stays resulting from accidents or health problems.

In this context, the provision of a death benefit as a result of natural causes does not align with the core functions of accident and health insurance. Typically, death benefits related to natural causes are the domain of life insurance. Life insurance is specifically designed to provide financial support to beneficiaries in the event of the policyholder's death, addressing scenarios that are not covered under accident and health insurance policies.

This distinction helps illustrate the specific focus of accident and health insurance on managing risks associated with health issues and accidents, rather than offering coverage for mortality from natural causes.