Which term describes a deliberate act to harm oneself under an insurance policy?

The term "self-inflicted injury" specifically refers to an injury that a person intentionally causes to themselves. In the context of insurance policies, this term is crucial because many insurance contracts include exclusions related to intentionally inflicted injuries. Insurers typically do not cover injuries that result from acts where a person deliberately inflicts harm on themselves. This distinction is important for understanding the limitations of coverage within an insurance policy, as it can directly affect a policyholder’s ability to make a claim related to such injuries.

Other terms like "intentional harm" and "self-harm" are broader and do not specifically encapsulate the legal and insurance definitions as used in policies. Meanwhile, "negligence" pertains to a failure to take reasonable care to avoid causing injury or losses to another person, which is an entirely different legal concept not related to intentional acts of self-harm. Understanding these nuances helps in interpreting the specific language and exclusions found within insurance contracts.