The term accidental injury refers to various sudden, unexpected and external events occurring without the will of the injured party and causing injury in connection with a medical examination or treatment. Accidents that occurred during patient transport by ambulance are classified as accidental injuries, unless the injury is compensable under motor liability insurance.
The patient insurance only covers accident risks directly related to the procedures but not accident risks that are part of ordinary life. For example, a bodily injury suffered by a patient falling off the examination table may be a compensable accidental injury, whereas an injury that results from falling down in a hospital corridor is not an accident that is connected to treatment. However, it may be compensable as a treatment injury, if the proper patient monitoring or assistance were neglected even though it could have been provided, considering the available resources.