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

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 inhalation of harmful substances, where the insured person was exposed, owing to special circumstances, for up to ten hours to suddenly escaping gases, vapours, fumes, clouds of dust or acids (The German original starts the numbering of this list again at (1) after item (2).) 1 the effect of radiation, including laser, X ray, maser and ultraviolet rays, 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 result of regular handling of radiation generating equipment, 3 occupational diseases, 4 damage to health suffered gradually. These are cases in which the insured person was exposed to the effects for longer than ten hours.

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