Self-Inflicted Injury Exclusion
Exclusion of losses from attempted suicide or intentionally self-inflicted injury, distinct from the suicide clause's treatment of death benefits.
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Practice This Concept
Which injury is MOST likely to be excluded under the intentional or self-inflicted injury exclusion of a medical expense policy?
Injuries resulting from a suicide attempt — Medical expense policies routinely exclude intentionally self-inflicted injuries and suicide attempts — the classic self-inflicted injury exclusion. The exclusion rests on the principle of fortuity: insurance covers accidental, unintended losses, not injuries the insured deliberately causes to himself. An injury from a suicide attempt falls squarely within that exclusion, even though medical treatment will generally still be provided and the provider can seek payment from other sources. Fortuity is the anchor of insurable coverage: the loss must be unintended and unexpected.
National insurance concept
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