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Given the topic this is posted under I will assume (for the sake of answering your question) you are referring to suicide. Suicide actually is covered in most life policies, (this may be a per state regulation) after a certain period of time, generally two or three years. Or the only way it can be denied is if it is proven the policy was purchased for the sole purpose of receiving payment after a suicide (hence the 2-3years). Read the policy it will define it. +++If you're talking about Health Insurance, I'm not aware of that exclusion. The advantage of not covering self inflicted injuries or dealth would be to save claims dollars along with the law of large numbers so that the Insurance Companies can predict the amount of claims and price the product accordingly.

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Q: Why should health insurance not cover a problem that is self inflicted?
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