What types of injuries are commonly excluded from Accident and Sickness Insurance policies?

The correct answer highlights the common exclusions found in Accident and Sickness Insurance policies, specifically regarding pre-existing conditions and self-inflicted injuries. Pre-existing conditions are health issues that existed before the policy was taken out, and insurers often exclude coverage for these to avoid taking on risks that they anticipate will lead to claims. This reflects the principle of insurability, where insurers are less willing to cover risks that are already known or foreseen.

Self-inflicted injuries are also typically excluded because these injuries result from a voluntary act, which contrasts with the principle of covering unforeseen accidents. Insurers generally want to provide coverage for risks that are accidental in nature; self-inflicted injuries do not fit this definition.

Considering the other answer choices, only work-related injuries might be excluded based on the specific policy but can often be covered by workers’ compensation insurance. Injuries from accidents are typically what accident insurance aims to cover, making that option contradictory. Injuries sustained during international travel can sometimes be excluded depending on the specific policy terms, but they are not as universally applicable as the exclusions for pre-existing conditions and self-inflicted injuries. Therefore, the most accurate answer is the one detailing pre-existing conditions and self-inflicted injuries.