In case of sudden death, the police will investigate. If homicide and suicide are excluded, a death certificate will be issued to prove that the nature of death belongs to the category of accidental death. Then the insurance company needs to make a claim.

But if the identification is sudden death, the insurance company will not pay. Because of accident insurance regulations, accidental injuries generally need to meet four conditions, namely, foreign, sudden, unintentional and non-disease. Although sudden death meets this feature, sudden death generally does not meet this feature because of physical reasons, so general accident insurance does not guarantee sudden death.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.