What is the test for the definition of suicide in a medical malpractice case?

To summarize: the clause excludes all nonaccidental self-destruction regardless of the insured's state of mind; intent is therefore immaterial, and the trier of fact need determine only whether the act of self-destruction, objectively viewed, was accidental. In other words, "[i]f the act of self-destruction would be regarded as suicide in the case of a sane person, it would be so treated as to an insane insured...." (Atkinson v. Life Ins. Co. of Virginia, supra, 228 S.E.2d 117, 120.)