How is 'accidental injury' defined in insurance terms?

In insurance terminology, 'accidental injury' is defined as an injury that occurs suddenly and unintentionally from an unforeseen event. This precise definition is crucial because it emphasizes the element of unpredictability and lack of intent. Insurance policies for accident and sickness typically cover injuries that arise unexpectedly, distinguishing them from injuries that are planned or anticipated, such as those resulting from intentional actions or pre-existing conditions.

This definition ensures that policyholders who experience an unforeseen and unintentional occurrence will be eligible for coverage and support, which is a fundamental principle of accident insurance. By focusing on the suddenness and unintentional aspect, this definition helps clarify the scope of coverage, making it clear that coverage applies to injuries that happen without foresight or intention, thus aligning with the purpose of providing financial protection against unexpected occurrences.