Definition of insurance accident with its exclusions?

In insurance speak, personal accident insurance is defined as an unintentional accident due to external, violent and visible means. Personal accident policies cover you for one or more of four contingencies in the event of an accident: death, permanent total disability, permanent partial disability and total disability.In the event of such contingencies, a personal accident policy will provide for payment of a lump-sum, either the full sum or a percentage of it.

Besides death due to natural cause, personal accident policies don't cover disability or death due to:

1. War and nuclear perils, civil disorders, flying in an aircraft as a pilot or crew member, and breach law with criminal intent.

2. Driving or riding in any kind of race, playing professional sport, intentional self-injury, suicide, pregnancy, sickness or disease.

3. Any existing disability.

4. Any injury sustained under the influence of liquor or drugs.