In Connecticut, what is the statutory definition of an accident insurance policy?

The statutory definition of an accident insurance policy specifically refers to a policy that provides benefits for injuries or death resulting from an unforeseen event or accident. This definition emphasizes the unanticipated nature of accidents, which is central to the functioning of such policies. Specifically, accident insurance aims to protect individuals and their beneficiaries from the financial impact that can arise from sudden, unexpected incidents, ensuring that they receive necessary financial support in the aftermath of such events.

In contrast, the other options do not accurately capture the essence of what an accident insurance policy entails. For instance, a policy that covers natural disasters would typically fall under a different category of insurance focused on property and casualty. Similarly, benefits for long-term illnesses are addressed through health insurance policies rather than accident insurance. Finally, while travel-related accidents can be covered under specific plans, not all accident insurance is limited to travel-related incidents; hence that option is too narrow and does not reflect the broader definition of an accident insurance policy.