Self-Inflicted Injury

Definition - What does Self-Inflicted Injury mean?

A self-inflicted injury is an injury caused to one's self through one's own actions. Self-inflicted injuries are not caused by external factors but, rather, directly result from one's own behaviors, actions, and decisions. Some health insurance policies have exclusions for self-inflicted injuries.

Insuranceopedia explains Self-Inflicted Injury

Many people participate in dangerous activities such as sky diving, bungee jumping, or sword swallowing. These and other risky hobbies could be excluded from insurance coverage, although most health insurance policies do not have such exclusions.

If a self-inflicted injury occurs as the result of a preexisting illness, such as depression, then insurers must cover the losses. Injuries from attempted suicide can be particularly costly. Most of the time these injuries will be covered but there may be some exceptions.

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