Accident
Sometimes stuff just happens unforeseen by you. Like injuries to your body requiring immediate treatment. These are accidents. Accidents don’t include conditions brought on by existing illnesses.
Accommodation
Accommodation includes your bed and all the hospital food you can stomach during your admission. It also covers hospital-provided services like nursing, but not treatment by doctors or other health professionals.
Ancillary cover
It’s a fancier name for Extras cover.