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1. What is the general meaning of "accidental injury"? If I was injured but did not have a visible bruise or wound, can I still submit a claim for such an injury?

An accidental injury is a mishap that is unusual, fortuitous, unexpected or unforeseen resulting in damage or injury to the body.

 

The admission of a claim is based on medical certification by a licensed medical practitioner. Therefore, if your doctor, who is qualified, has certified that you have sustained an accidental injury, then regardless of whether or not there is a visible mark of your injury, your insurance company is bound to admit your claim based on the medical certificate.

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