Medical Expense✓ Verified · outline & fact-checked · Sep 2026Difficulty 1/5
Most individual medical expense policies exclude losses caused by:
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Medical expense policies commonly exclude intentionally self-inflicted injuries, along with other non-fortuitous losses. Insurance is designed to cover accidental, unforeseen losses; deliberately harming oneself is neither accidental nor beyond the insured's control, so covering it would invite moral hazard and contradict the indemnity principle. Treatment for accidental injuries is covered regardless of where they occur, subject to the policy's other terms.
Why the other options are wrong
- A) Out-of-state travel does not itself create an exclusion; coverage generally follows the insured wherever the injury occurs.
- B) Chiropractic treatment is often covered when medically necessary and is not a basis for excluding an injury.
- D) Routine physical exams are a preventive service, not a cause of excluded injury; they are typically covered or excluded only by the plan's own preventive rules.
Memory hook
Insurance covers accidents, not intentions. Intentionally self-inflicted injuries are excluded losses.