A-1.4.2 Other involuntary damage to health., Watercraft Accident Insurance, Basis Plus

A-1.4.2.1 It also counts as an accident where the insured person involuntarily suffers damage to health as a result of the following events: 1 poisoning through the ingestion of solid or liquid substances through the throat (the entrance to the oesophagus), 2 poisoning through the inhalation of harmful substances, where the insured person was exposed, through special circumstances, for up to ten hours to suddenly escaping gases, vapours, fumes, clouds of dust or acids (The German original begins the following items again at (1), without a connecting word.) 1 the effects of radiation, including laser, X-ray, maser and ultraviolet radiation, 2 explosion, sound or other pressure waves, 3 mechanical (for example a fall), chemical (for example a chemical burn) or electrical (for example an electric shock) action. The following remain excluded: 1 damage caused by nuclear energy, 2 damage to health occurring as a consequence of regular handling of radiation generating apparatus, 3 occupational illnesses, 4 damage to health suffered gradually. That is damage where the insured person was exposed to the effects for longer than ten hours.

A-1.4.2.2 Damage to health through drowning and suffocation is also co-insured, provided the insured person suffered it involuntarily.