Health insurance involves two perils, accident and _________?

Health insurance typically covers two main types of perils: accident and illness. The term "illness" encompasses a broader scope of medical conditions that could arise due to various factors, such as infections, chronic diseases, or other illnesses that require medical attention. This contrasts with accidents, which involve unexpected injuries resulting from external events.

Choosing "illness" accurately reflects the standard terminology within health insurance policies, as it is a recognized category used to describe conditions that require treatment beyond just physical injuries. Each health insurance plan defines its coverage for both accidents and illnesses to ensure that policyholders receive necessary assistance in various healthcare scenarios.

Disability, sickness, and injury, while related concepts, do not encompass the full scope of what health insurance policies typically articulate as the two main perils. For instance, "disability" often refers to the inability to work due to a medical condition, which may result from both accidents and illnesses but isn't categorized as a separate peril under traditional definitions.