An accident means a sudden, unexpected external and specific event which occurs at an identifiable time and place, which results in Bodily Injury. The word ‘Accidental’ shall be construed accordingly. If an Insured Person suffers Bodily Injury as a result of unavoidable exposure to severe weather conditions, the Insurer(s) will consider it as having been caused by an Accident. This shall also include insect, spider or animal bites other than those causing Malaria