Why won't Teresa's non-occupational policy cover her hospital expenses after an on-the-job injury?

The reasoning behind why the answer focuses on Teresa's situation as an on-the-job injury lies in the distinction between non-occupational and occupational injuries. A non-occupational policy is designed to cover health needs that arise outside of work-related incidents. Since Teresa's injury occurred while she was on the job, it is classified as an occupational injury.

In most cases, workers' compensation insurance would be the appropriate coverage for injuries sustained in the workplace. Therefore, the non-occupational policy would not apply to her hospital expenses because it is specifically intended to cover non-work-related health issues. This establishes that an on-the-job injury falls outside the purview of her non-occupational policy, leading to the conclusion that this policy would not cover her related medical expenses.

Understanding this distinction is crucial for agents and policyholders alike, as it affects the type of coverage needed based on the circumstances of the injury.