Which injury is MOST likely to be excluded under the intentional or self-inflicted injury exclusion of a medical expense policy?

Why A is correct

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.

Why the other options are wrong

• B) Injuries in recreational sports are accidental, fortuitous losses and are covered under the policy's accident benefits. Sports injuries are accidental in the insurance sense and are covered as such.
• C) An injury in an auto accident caused by another driver is an accidental loss covered by the policy; the insured's own intent is not involved. The policy responds to the accidental cause of injury.
• D) Workplace injuries payable under workers' compensation ARE excluded, but under a separate workers' compensation coordination exclusion — not the self-inflicted injury exclusion. That exclusion operates separately from the intentional-injury rule.

Memory hook

Self-inflicted = deliberate, not fortuitous. Insurance covers accidents, not intentional harm to oneself.