What is defined as an absence of health and accident?

The correct answer is that an absence of health and accident is defined as sickness or injury. This definition emphasizes the condition in which an individual experiences adverse health consequences, resulting in their inability to be considered healthy or free from accident-related issues.

Sickness refers to any condition that impairs normal body functions, thereby affecting an individual's overall health. Injury pertains to physical damage or harm that results from accidents or unforeseen events, leading to similar health-related consequences. In an insurance context, both sickness and injury highlight situations where an individual's health status is compromised, making them eligible for certain health and accident insurance claims.

This understanding is fundamental in the realm of health and accident insurance, particularly when determining coverage eligibility and policy benefits. Knowing that sickness or injury signifies a departure from a state of health is crucial for both insurance professionals and policyholders.