The effect of this phrase is to require the death or disablement to be the direct result of the injury (the doctrine of proximate cause). Hence, if any other cause contributes to the result the insured event has not occurred. An accident may set up a disease and result in death, but death may still be the direct result of the accident, namely, where there is no break in the chain of the causation, e.g., a man is thrown from his horse while hunting and so injured that he cannot walk, he lies on the wet ground until he is picked up, he thus catches a chill which turns to pneumonia, and dies. On the other hand, if a man breaks a leg and is taken to hospital where he contracts infectious disease from another patient, with fatal result, the death is not the sole and direct result of the accident; the infectious death constitutes a break in the chain of causation.