Which type of risk type expenses cannot be planned and is unintended?

Illness or injury-related expenses are categorized as unintended risks because they are often sudden and unexpected. These expenditures arise from unpredictable events such as accidents or health crises, making them challenging to plan for in advance. Unlike other types of expenses that might have some level of foreseen costs based on demographic factors or occupational hazards, illness or injury can emerge at any moment, impacting individuals regardless of their age, job, or location. Therefore, this type of expense typically leads to financial strain since individuals may have insufficient resources set aside to cover such emergencies.