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What people say

Injury

Harm from a specific event — accident, fall, surgery, assault, sport trauma.

Language: What people say Claim ladder: Step 1 Use: understand · distinguish · evidence

Ladder step 1: What happened — What words do you naturally use to describe it?

This is

  • Usually has a when/where/how story
  • Often documented in hospital or casualty records

This is not

  • Every medical problem (many illness es have no single injury event)
  • Automatically excluded or covered — check policy
Policy angle — Some policies split accident vs illness benefits or apply conduct exclusions to self-inflicted injury . Read exact wording.

ClaimBuddy resources

Cross-links to Clinical Atlas, glossary, traps, and policy terms — hover for a quick summary.

Evidence

Hospital report, ICD external-cause codes, employer incident report

Often mixed with

Confusion drill-downs

Side-by-side guides for pairs people mix up with Injury.

"Back injury after lifting equipment on site."