Harm to the physical integrity of a person, irreversible and heavily indemnified, which distinguishes the serious claim from mere material damage.
Bodily injury designates harm to the physical integrity of a person, wound, worsening of a condition or death, as opposed to material damage that strikes property. Its insurance singularity is to be irreversible and to follow entirely different rules of indemnification, founded on human harm, whose amounts are both heavier and more uncertain. Hospital cyber insurance illustrates the irruption of this register into a domain that thought itself purely immaterial, when ransomware, by paralysing care, causes excess mortality and opens the way to medical-malpractice actions. The true tail of the distribution then lodges not in the ransom but in this bodily injury, which models designed for data breach cannot price.
A cyberattack that delays a vital operation and leads to a patient's death turns a computer claim into bodily injury, whose indemnification far exceeds the cost of the ransom.
atteinte à la personne, préjudice corporel