Accidental Death and Dismemberment

Accidental death and dismemberment (AD&D) coverage provides a lump-sum benefit in the event of death or serious injury caused by an accident during your trip. This is separate from medical expense coverage and is paid directly to you or your designated beneficiaries.

What qualifies as a covered event?

• Accidental death during the coverage period
• Loss of limbs due to an accident
• Loss of sight due to an accident
• Other serious permanent injuries as defined by the policy

How does the payout work?

The benefit amount is specified in your policy’s schedule of benefits. In the event of accidental death, the full benefit is paid to your designated beneficiary. For dismemberment, a percentage of the benefit is paid based on the severity of the injury as outlined in the policy.

This coverage provides an additional financial safety net for your family beyond standard medical expense coverage.