意外伤害险是投保人和保险人约定的,在被保险人遭受意外伤害或者由此而致残废、死亡时,由保险人承担给付保险金责任的人身保险。在对意外伤害的认定上,特别是对“意外”的理解上,存在较大争议。“意外”应包括外来性、突发性、非本意三个构成要素,并应结合个案去确定各自的含义。 Accidental injury insurance is agreed between the insured and the insured, in the insured suffered accidental injury or resulting in disability, death, the insured person to pay the insurance liability insurance. In the identification of accidental injuries, especially on the “accidental” understanding, there is a big controversy. “Accident ” should include the three components of externality, suddenness and unintentionality, and should determine the meanings of each by combining individual cases.