How is a claim likely to be handled for a Major Medical policyowner injured while participating in a carjacking?

In the context of a Major Medical policy, claims involving injuries sustained during participation in illegal activities, such as a carjacking, are often subject to denial. Insurance policies typically contain exclusions for injuries incurred while committing unlawful acts. Most health insurance policies include a "felony exclusion" clause, stating that any claims related to injuries sustained while engaging in illegal activities are not covered.

In this scenario, since the policyowner was involved in a carjacking, which is a criminal act, the insurer would likely invoke this exclusion. As a result, the claim would be denied entirely as it falls outside the protections offered by the Major Medical policy. This aligns with standard underwriting practices and risk management for insurance providers, ensuring that they do not provide coverage for actions that contravene the law.