Is the “Compensation for your own injuries” part of bike insurance necessary?

So, I want to get bike insurance for liability purposes. I was looking at this site https://hoken.kakaku.com/%e8%87%aa%e8%bb%a2%e8%bb%8a%e4%bf%9d%e9%99%ba/ which was given by someone in this sureddit in another post. However, some of them have “Compensation for your own injuries” besides the personal liability money. I don’t understand why we need more money for our own medical treatment if we already have the National Health Insurance to pay for it. Does the National Health Insurance not cover bike accidents, or accidents caused by you? Or does it cover it, but not pay enough? I am fairly new to these things, so thanks in advance.

by CamilaSBedin

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