An accident is an event which is unexpected, not intended or designed. It does not include the cumulative result of a series of small incidents. For example, in terms of personal accident and sickness cover, if the insured has a bent hand, resulting from use of pneumatic drill, this is not considered to be caused by an accident.

Certain voluntary act which result in bodily injury are included in the definition of accident, e.g. where the insured’s act is the result of a chain of events stemming from the accident. For instance, an insured person who is injured jumping from an upper storey of a burning building sustains injury by accident.

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