What is typically excluded from accident and health insurance policies?

Self-inflicted injuries are commonly excluded from accident and health insurance policies due to the nature of such injuries being voluntary actions taken by the individual. Insurance companies generally operate on the principle of risk management, where they assess and underwrite risks based on the likelihood of occurrence. Since self-inflicted injuries are within the control of the insured, insurers typically do not cover these costs as it poses an unsolicited risk that can lead to abuse of the insurance system.

In contrast, injuries from automobile accidents, pregnancy-related expenses, and hospitalization due to illness are generally covered under various policies, though specifics can vary by provider. Automobile accidents can lead to unexpected medical costs that are deemed insurable risks. Pregnancy-related expenses have evolved to be covered in many modern policies, acknowledging the need for healthcare during pregnancy. Similarly, hospitalization due to illness is a primary purpose of health insurance, designed to provide financial support during times of medical need.