When the main character(s) of a movie, story, game, or other media manage to defy nearly all odds of being injured, killed, or otherwise majorly inconvenienced, it's safe to assume they must have some sort of supernatural insurance policy protecting their asses. Especially when others immediately around them are not so lucky.
As well as avoiding the negative, characters with MCI often happen to stumble upon just what they might need for a given situation, out of the blue.
This phenomenon could be chalked up to just plain dumb luck, or perhaps more likely unrealistic writing on the creator's part. Mary Sue
s and their variants are often gifted with Main Character Insurance.
Generally, when this occurs, it leads to a very unrealistic and fantastical atmosphere, removing any seriousness there might have been.