Which type of claim is typically excluded from Medical Expense policies?

Medical Expense policies generally aim to cover costs associated with healthcare arising from illness or accidents. Intentionally self-inflicted injuries are typically excluded from these policies because such injuries are considered a result of willful actions rather than unforeseen events or accidents. Insurance is designed to mitigate risk and cover incidents that are unexpected, and allowing coverage for self-inflicted injuries would contradict the principle of providing protection against accidental occurrences.

Accidental injuries are normally covered because they fall within the policy's intent to provide financial aid for unforeseen health issues. Emergency room visits are also usually included since they represent essential medical care that arises in emergency situations. Pre-existing conditions may be limited or excluded in certain policies, but they often do not violate the fundamental purpose of medical expense coverage as significantly as intentionally self-inflicted injuries do. Thus, the exclusion of intentionally self-inflicted injuries is consistent with the risk management principles of insurance.