An accident is essentially unexpected, not intended or designed. Certain voluntary acts which results in bodily injury are included, as for example, where a person in order to escape from a building jumps from an upper window and is injured by his fall.Fortuitous occurrence caused by external visible and violent means is considered as an accident. Any person meeting with accident has to suffer (the consequences of the accident) and the result of an accident may widely vary from simple injury to death.Question often arise whether events like suicide, murder, frostbite, snakebite, animal bite, insecticide, drowning etc., can be regarded as accidents. Applying the various tests, it can be stated that while suicide and murder or homicide following grave provocation are not accidents, homicide or murder without provocation, frostbite, snakebite, animal bite, insecticide and drowning are accidents.Death due to Malaria after a mosquito bite too is termed as an accidental death as is rightly pronounced by Hon’ble National Commission in case of National Insc Co v/s Mousmi Bhattacherjee (RP 1270/2016). The Commission pronounced that an accident is something that happens unexpectedly and not planned in advance and causes injury. Thus, no one can predict about the mosquito bite and it can happen anywhere and anytime like an accident. It has already been a settled law that snake-bite, dog-bite, frost-bite are also accidents. As such death of the insured person due to Malaria after a mosquito bite is termed as accidental death.