What type of peril is associated with a bleeding ulcer in health insurance?

A bleeding ulcer is classified as a sickness peril in health insurance because it arises from medical conditions rather than an accident. Sickness perils refer to illnesses, diseases, or health-related issues that require treatment or medical intervention. In the case of a bleeding ulcer, it is typically a result of factors such as chronic stress, bacterial infection, or prolonged use of nonsteroidal anti-inflammatory drugs (NSAIDs), all of which are health-related problems rather than unexpected accidental occurrences.

Understanding that perils in health insurance are categorized into two main types—accidental and sickness—helps clarify why a bleeding ulcer falls under the sickness category. Accidental perils involve injuries resulting from unforeseen events, while sickness perils encompass a wide range of medical conditions that are not due to accidents but rather develop over time or due to specific health issues.

Other types of options, such as recurring or temporary, do not accurately classify the nature of a bleeding ulcer. While it can reoccur and may have temporary manifestations, it fundamentally represents a problem stemming from sickness, making the classification as a sickness peril the most appropriate and accurate.