An "Accident" in the context of life and health insurance is an unexpected, unforeseen event that happens suddenly and causes injury to the body. Accidents are characterized by their unintentional nature; they are not planned or expected to occur. In insurance terms, coverage for accidents is a common feature of various policies, including health insurance, disability insurance, and accident insurance policies, among others.

Key characteristics of an accident from an insurance perspective include:

  1. Unintentional: The event must not have been deliberately caused. It happens without the foresight or expectation of the insured.
  2. Sudden: The event occurs in a brief and unexpected manner.
  3. External: The cause of the injury or damage is external to the insured person.
  4. Direct Cause: There is a direct cause-and-effect relationship between the accident and the injury incurred.

Insurance policies often provide coverage for accidents by compensating the insured for medical expenses, loss of income due to disability arising from an accident. The specifics of what is considered an "accident" and what is covered can vary widely among different insurance policies and providers, making it important for policyholders to understand the terms and conditions of their insurance coverage.

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