What type of loss is generally excluded in accidental and health policies?

In the context of accidental and health insurance policies, war-related losses are typically excluded due to the nature of insurers' risk management. Insurers often avoid covering losses that arise from events categorized as acts of war, conflict, or terrorism, as these events can result in significant and widespread claims that are difficult to predict and manage. This exclusion aligns with the principle of providing coverage for unforeseen and unintended events, which war-related incidents do not typically fall under.

The policies are designed to cover specific accidental injuries and illnesses that are not caused by factors like war. By excluding war-related losses, insurers can maintain more stable pricing and risk levels for the more common and controllable types of claims associated with accidental injuries and illnesses. This understanding helps policyholders appreciate the limitations of their coverage and the scope of protection offered by their insurance products.