Which statement accurately defines how injury is described in an accident and health insurance policy?

In the context of an accident and health insurance policy, the definition of "injury" revolves around the concept that both the cause of the injury and the injury itself must be accidental. This means that for a claim to be valid, it cannot stem from an intentional act or a predictable event. Instead, the insurer seeks to ensure that the events leading to the injury were unexpected and unforeseen, reinforcing the nature of accident coverage. By requiring that both the cause and the resulting injury are accidental, the policy emphasizes protection against unforeseen incidents, allowing insured individuals to receive benefits when such unexpected situations occur. This aligns with the fundamental principles of accident insurance, which aim to cover losses resulting from accidental conditions rather than those arising from intentional actions or predictable outcomes.