Accidental death and dismemberment ( Ad&D) insurance pays you a lump sum amount if the death and dismemberment is direct result of an accident.
In the event of death of an insured, the amount will be paid to the beneficiary.
In case of a dismemberment, that is a loss of any limb, a fractional amount is being paid to the insured. AD&D generally pays benefits for the loss of limbs; sight and permanent paralysis .The types of injuries covered and the amount paid vary by insurer and package, and are explicitly enumerated in the insurance policy.

AD & D insurance is good for somebody who works in a high risk profession. Let’s say a construction worker or a mine worker may be specially interested in a AD & D policy. Also, those who travel frequently also may benefit from purchasing AD&D insurance.

Accident death and dismemberment insurance can also be added as a rider for many travel insurance polices, check with your travel insurance advisor.

Ad& D insurance may not cover you under following circumstances:

• if the death is a result of some sickness,
• death during a surgery,
• Death resulting from mental or physical illness
• Drug Overdose

For example, if you commit suicide or attempt to hurt yourself on purpose, the AD&D policy would not pay out. The same holds true if the accident or your death is caused by a war. Also, if you have a heart attack while driving and crash your car, your beneficiary would not receive any payment from the AD&D policy.

Some of the known plans that offer Ad& D benefit are:

• Travel Ex- : Travel Select, Travel Lite
• CSA : CSA Travel protection
• Travel Guard : Travel guard Essential, Med Evac
• TIS : Travel Insurance Select

Facts and important things to know

• AD & D covers you for injury or death resulting from an accident .
• AD & D Insurance will not covers you for death as a result of sickness.
• It can be purchased as a rider on an existing policy or as a separate policy.