In cases where you unfortunately received a bad grade, the best thing to do is to give a valid and genuine reason. Do not ignore it, but address it head on. In the college admission essay or MBA essay you have the golden opportunity to explain your low grades and provide rational reasons on why these grades are not necessarily reflective on your potential as a student. Offer a specific example to explain your side of the issue. For instance, you can say that personal problems (sick family member or unexpected accident) kept you from focusing more on your studies.
Just try to keep in mind that your aim in your explanation in the admission essay or MBA essay is not to make excuses nor create tall tales to cover the fact that you have a low grade in one or two subject areas. The goal is to emphasize the reality that the bad grade was not because you failed to study but because circumstances were simply beyond your control. Make it a point to stress that it was just a temporary setback and that overall, your school record is still academically excellent, and that you are worthy of admission to the school of your choice. In fact, you may want to explain how such unexpected experiences actually made you into a better person, a more mature and understanding person, who now appreciates life more and is more driven than ever before. Your primary goal should be to convey to the reader that you are a better person as a result of your personal experiences, which in turn make you a better candidate for admission.
Also, remember that different schools place different weights on test scores or grades and may emphasize your college admission essay or MBA essay instead. Rather, they look more into your extracurricular activities since the approach of their program is the total development of an individual. In such cases, lower grades may not be as crucial in the admissions process, but you should still aim to explain them as best as you can, and doing so can best be done in the College Admission Essay or MBA essay.