+1 (866) INSUBUY
+1 (866) 467-8289
8 AM - 9 PM CT Seven Days a Week Source ID: Insubuy
+1 (866) INSUBUY467-82898 AM - 9 PM CTSeven Days a Week

Accidental Death and Dismemberment - AD&D Insurance

Accidental Death and Dismemberment - AD&D Insurance

Accidental Death and Dismemberment (AD&D) Insurance is a limited form of life insurance that pays benefits in case of accidental death or dismemberment of one or more limbs. AD&D insurance is not a replacement for life insurance or disability insurance. However, AD&D insurance can be very helpful if you are traveling for a short time and you need high limit AD&D insurance.

Accidental Death

When you buy AD&D insurance, you will purchase a benefit amount called "principal sum". If you die in an accident, the insurance company will pay 100% of the principal sum to your beneficiary - beneficiaries can be your spouse, children, estate or another person you choose.

The death must be caused solely by an accident and not due to other reasons, such as:

  • Illness or disease
  • Surgery
  • Bungee jumping
  • Car racing
  • War
  • Suicide or attempted suicide
  • Illegal substance overdose
  • Skydiving
  • Drunk driving
  • Non-commercial radiation
  • Natural causes
  • Old age
  • Overdose with toxic or poisonous substances
  • Accident or injury due to the insured's felonious act
  • Riding off-road vehicles
  • Playing collegiate and professional sports

In order to claim benefits under AD&D insurance, the death or injury must be a direct result of an accident and not due to other causes. E.g., while driving a car, if you have a heart attack and that causes an accident which causes death, AD&D insurance would not pay. Commonly covered reasons are:

  • transportation accidents on land, water and air
  • heavy equipment accident
  • falls
  • homicide
  • drowning

Some insurance plans may provide a higher benefit amount if the accident occurs while riding in a fare paying public transport such as flight, bus or train.

Conditions

In order to claim under AD&D insurance, certain conditions apply:

  • Your insurance coverage must be effective on the day of accident
  • Insurance company requires the proof of accident at the time of filing a claim
  • An autopsy of the deceased may be required
  • Death must occur within a certain duration after the accident. Depending upon the insurance company, it may be from a few weeks to a few months or up to a year
  • Official investigation of an accident

Additionally, in case a family is insured under the insurance, there may be an aggregate limit that may be paid for the family - family is usually defined as parent(s) and dependent children in most insurances.

Dismemberment

A dismemberment benefit in AD&D insurance covers the loss of an appendage and is usually defined as the complete severance of a limb or the loss of functions such as speech, eyesight or hearing. The exact details vary by the specific insurance policy. However, typically if you lose one member such as hand, leg or an eye, you would receive 50% of the principal sum. If you lose two members, such as hand, leg or an eye, your beneficiary would receive 100% of the principal sum.

Some insurance policies may provide a smaller benefit of 25% to 50% of the principal sum for the loss of speech or hearing, coma, paralysis, or loss of index finger and thumb of the same hand.

Tips

When you purchase AD&D insurance, make sure to leave the copy of your insurance policy behind and inform your beneficiary (such as spouse, children or other family members) about it so they can file a claim in case of an unexpected event.

As the possibility of accidental death is relatively low, you can purchase a high amount of coverage for a low cost, especially if the coverage duration is small, as would be the case when you buy the insurance for use while traveling.

Many travel medical insurance plans include some amount of AD&D insurance. However, if you would like a higher amount, you can buy a standalone high limit AD&D insurance. The amount of AD&D insurance is typically limited to 10 times your annual income.

While the AD&D insurance would pay the principal sum as the death or dismemberment benefit, it would typically not pay for funeral or burial costs; however, the beneficiary of the policy could use the funds received to cover the costs.

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

Learn More

Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

Learn More

Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

Learn More

Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

Learn More

New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

Learn More

Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

Learn More

Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

Learn More

Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

Learn More

Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

Learn More

International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

Learn More