Beware the Buzz
In a recent ruling, the Calcutta High Court has held that death by mosquito bite is not covered by accident insurance. The court found that the definition of accidental death includes accidental injuries but excludes illness. The general opinion also tends to exclude deaths brought on by disease alone, unaccompanied by accident. Beware the Buzz: Why Your Accident Insurance Won’t Protect You from a Mosquito Bite?
The case involved a woman who had taken out an accident insurance policy on her son. The son died after being bitten by a mosquito and contracting dengue fever. The woman filed a claim with the insurance company, but the company denied the claim, arguing that the death was not an accident.
The woman appealed the decision to the Calcutta High Court. The court agreed with the insurance company, finding that the death was not an accident then court held that the definition of accidental death includes accidental injuries but excludes illness. The court also found that the general opinion tends to exclude deaths brought on by disease alone, unaccompanied by accident.
The court’s ruling is a reminder that accident insurance policies do not cover deaths by mosquito bites. Accident insurance policies typically cover deaths caused by sudden, unexpected, and unintentional events. Deaths caused by illness, even if caused by an accident, are typically not covered by accident insurance policies.
If you are considering taking out an accident insurance policy, it is important to read it to understand what is carefully and what is not covered. You should also speak with an insurance agent to get more information about accident insurance and to find a policy that meets your needs.
What is Accident Insurance?
Accident insurance is a type of insurance that provides coverage for death or injury that is caused by an accident. Accidents are defined as unexpected and unintentional events that happen suddenly. Accident insurance policies typically cover many accidents, including car accidents, slip and fall accidents, and sports injuries.
What is Not Covered by Accident Insurance?
Accident insurance policies typically do not cover all types of deaths or injuries. Some of the things that are typically not covered by accident insurance policies include:
- Deaths that are caused by illness
- Deaths that are caused by pre-existing conditions
- Deaths that are caused by intentional acts, such as suicide or homicide
- Injuries that are caused by war or terrorism
How to Choose an Accident Insurance Policy
If you are considering taking out an accident insurance policy, you should keep a few things in mind. First, you need to decide how much coverage you need. Accident insurance policies typically come with a variety of coverage options, so you can choose a policy that fits your budget.
Second, you need to decide what types of accidents you want to be covered for. Some accident insurance policies only cover certain types of accidents, such as car accidents or sports injuries. Other policies cover a wider range of accidents.
Finally, you need to compare different policies to find the best one. Be sure to read the fine print carefully so that you understand what is and is not covered by the policy.
Conclusion
Beware the Buzz: Accident insurance can provide peace of mind knowing that you and your loved ones are protected in an accident. However, it is important to understand what is and is not covered by accident insurance policies before you purchase one. By carefully reading the policy and comparing different policies, you can find an accident insurance policy that meets your needs.
Legal Disclaimer: The information contained in this blog post is for general information and educational purposes only. Nothing contained in this blog post should be construed as legal advice from The Aran Law Firm or the individual author, nor is it intended to be a substitute for legal counsel on any subject matter.
