Georgia Life and Health Insurance Practice Exam

The term that fits the definition of a physical illness, disease, or pregnancy while explicitly excluding mental illness is sickness. In insurance terminology, "sickness" typically refers to a broad range of physical health issues that an individual may face, such as ailments or conditions which may require medical attention. This term is deliberately constrained to encompass physical health issues only, ensuring that mental health disorders or conditions do not fall under this classification.

In contrast, other terms such as health condition, injury, and disability have broader or different implications. Health condition could refer to both physical and mental health issues, making it not exclusive to physical illnesses. Injury generally refers to physical harm caused by an accident or external force and does not directly address the idea of disease or pregnancy. Disability often encompasses both physical and mental impairments that limit a person’s ability to perform daily activities, which again broadens the context beyond just physical conditions. Hence, sickness is the most accurate answer as it aligns perfectly with the specific requirements of the definition provided in the question.