What is an accident?
An accident means a sudden event that causes injury. The event need not come from outside, for instance from a push or a collision. It may be caused, for example, by a sprain or if you stumble or fall.
Can I be double covered?
If you are involved in an insurance-covered accident where you incur an injury of 5% or higher on the injury scale, you will get compensation from your accident insurance policy or policies - no matter how many accident insurance policies you have. Thus you are not double covered if you have taken out more than one accident insurance.
Is illness, such as cancer, covered?
No, illness, such as cancer, is not covered, as it is not a sudden event.