General Insurance✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
Under an accident and health policy that covers 'sickness and accidental bodily injury,' which of the following events is a named peril?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
The perils in an accident and health policy are the causes of loss the policy names - here, sickness and accidental bodily injury. A fractured wrist from a slip is an accidental bodily injury, a covered peril. Family history and occupation are hazards (conditions that increase loss likelihood), and the premium is the price of coverage, not a cause of loss.
Why the other options are wrong
- B) Family history is a hazard that may raise the chance of illness, not a named peril.
- C) A dangerous occupation is a hazard used in underwriting, not the cause of the loss.
- D) The premium is consideration paid for coverage, not an insurable event.
Memory hook
The slip and the fracture = the peril. History and job = hazards.