Hassle-Free Health Coverage: Accidental Death and Dismemberment (AD&D)

Although a health insurance product, AD&D benefits are frequently provided as riders-attachments to a policy that modify its conditions by expanding or restricitng benefits-to individual and group life insurance contracts.

AD&D benefits may be included as riders on life insurance policies, as part of disability income insurance, as part of health insurance, or as a separate policy.

AD&D coverage pays the policy's principal sum in accordance with policy provisions. A principal sum is similar to a policy's face amount. This same amount is paid if you suffer the actual severance of two arms, two legs, or the loss of vision in two eyes due to an accident. If the policy is paying an accidental dismemberment benefit, this amount is identified as the capital sum.