General Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
In accident and health insurance, the covered perils that trigger benefits are generally:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
A peril is the cause of loss. For accident and health insurance, the two named perils are accident — an unexpected event causing bodily injury — and sickness, meaning illness or disease. Policies may cover accident only, sickness only, or both (comprehensive). Understanding that accident and sickness are the perils is fundamental to A&H terminology, just as fire, wind, and theft are perils in property insurance.
Why the other options are wrong
- B) Theft, vandalism, and fire are property/casualty perils, not the perils covered under accident and health policies.
- C) Business losses and market fluctuations are speculative risks and are not perils covered by A&H insurance.
- D) War, riot, and civil commotion are typically exclusions or separately limited risks, not the primary perils that trigger A&H coverage.
Memory hook
A&H perils come in two flavors: the crash (accident) and the germ (sickness).