Aviation crew, occupations involving the operation of dangerous machinery, and military personnel are commonly excluded occupations.

You should inform the insurance company about your change of occupation. The insurance company has the right to decide whether to keep the policy in force. 

Not all sports are covered. Skiing, diving, skydiving, rock climbing and cycling are sports that may be excluded. 

Both types of insurance provide reimbursement for medical expenses incurred. However, accident insurance mainly covers casualties caused by accidents, and some products provide a lump sum benefit on accidental death and dismemberment.