What term refers to physical injuries including sickness, disease, and death?

The term that refers to physical injuries, including sickness, disease, and death, is "Bodily Injury." This concept encompasses a wide range of physical harm that can affect an individual, extending beyond mere physical wounds to include serious conditions that arise from an accident or other incidents leading to health-related issues.

Bodily injury is a crucial term in various insurance contexts, especially in liability insurance, where coverage may provide financial protection for claims arising from injuries to persons, such as medical expenses or lost wages incurred as a result of the injury. It distinctly highlights the actual, tangible physical harm that a claimant has suffered, which is essential when determining liability and coverage in a related insurance claim.

In contrast, other terms like "Personal Injury" typically cover non-physical harm, such as emotional distress or reputational damage, while "Punitive Damages" refer to monetary compensation awarded to punish the wrongdoer rather than to compensate for injuries suffered. "Special Damages" are specific financial losses incurred as a direct consequence of an injury, such as medical bills or lost income but do not encapsulate the broader concept of physical injuries in the same way. Understanding these distinctions is vital for navigating legal and insurance scenarios effectively.