What is a key exclusion from coverage under PA and Sickness Insurance?

Self-inflicted injury or disease is a key exclusion from coverage under Personal Accident (PA) and Sickness Insurance policies. This exclusion is based on the premise that insurance is designed to provide protection against unforeseen and unintended incidents. If an individual intentionally harms themselves or causes their own illness, it goes against the principles of risk spreading that insurance operates on. Consequently, because the risk of such events is typically within the policyholder's control, insurers exclude these scenarios to maintain the financial sustainability of their policies and to deter individuals from engaging in reckless behavior.

In contrast, the other options, such as travel accidents, work-related injuries, and accidental injuries, generally fall within the scope of coverage, subject to specific terms and conditions. These types of incidents are often considered unintentional risks that insurance can help mitigate, reinforcing the design goals of these protection mechanisms.