Which provision under a disability income policy is applicable if the cause of an injury is unexpected and accidental?

The applicable provision under a disability income policy when the cause of an injury is unexpected and accidental is the accidental bodily injury provision. This provision specifically addresses injuries that occur due to unforeseen accidents, allowing for benefits to be paid out in the event that a policyholder suffers a disability as a direct result of such an injury.

This provision is designed to cover situations where the injury was not anticipated and thus allows the policyholder to receive financial assistance during their recovery. It underscores the insurance principle of providing support for risks that are both sudden and unforeseen, which is a critical aspect of disability income coverage.

Other provisions, such as the specific injury provision, focus on certain types of injuries that are predefined in the policy, and may not encompass all accidental injuries. The partial disability provision typically relates to situations where the insured is partially disabled and may not apply when the injury is fully disabling. The long-term disability provision generally covers disabilities that extend over an extended period, which may not be specific to unexpected accidents.