1. Physical injury caused by violent or disruptive action or by the introduction into the body of a toxic substance (e.g., penetrating or blunt serious trauma, drowning, poisoning, burns). 2. Psychic injury resulting from a severe emotional shock.

Medical facility that gives emergency and specialized intensive care to critically ill and severely injured patients due to a major catastrophic event with services provided 24 hours a day, 7 days a week. Generally an emergency department does not have the specialized capabilities and critical patients may need to be transferred to a trauma center for a higher level of care.

Medicare Secondary Payer (MSP) investigative process triggered by receipt of a Medicare claim with a diagnosis indicating traumatic injury.

Type of health insurance coverage for accidents that occur while an insured is on a trip. Individual or employee policies are available for one specific trip or type of travel or may cover all trips taken during a year.