意外伤害事故有外来因素造成的，是指由于被保险人身体外部原因造成的事故，如车祸、被歹徒袭击、溺水、食物中毒等标准。
问：儿童意外伤害事故的发生是否存在社会经济方面的原因？
Q: Is there a socioeconomic link to accidental child injuries?
学校体育教学由于其特殊性，注定了意外伤害事故无法避免。
Unexpected injury during physical teaching is unavoidable due to its particularity.
被保险人遭受意外伤害事故或突发急性病，经授权医生确认需要医疗援助的。
Once the Authorized Doctor confirms that the insured who is suffering from any accidental injury or acute disease needs any medical assistance.
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