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International Accidental Death & Dismemberment Frequently Asked Questions And Answers On Definitions

Go Back To Accidental Death & Dismemberment Insurance

Question: What is Accidental Death (AD)?

Answer: Accidental Death pays the Principal Sum Benefit to the designated Beneficiary in the event of death due to accidental bodily injury, or exposure to weather as a result of an accident or disappearance or the sinking of a conveyance on which the insured was a passenger and the body is not found within 365 days of the event.

Question: What is Accidental Death and Dismemberment (AD&D)?

Answer:
Accidental Death pays the Principal Sum Benefit to the designated Beneficiary in the event of death due to accidental bodily injury, or exposure to weather as a result of an accident or disappearance or the sinking of a conveyance on which the insured was a passenger and the body is not found within 365 days of the event.

Dismemberment includes the loss of use of both hands or feet, or one hand and one foot, or the loss of sight of both eyes. The Principal Sum Benefit is paid for these losses. One half of the Principal Sum amount will be paid in the event of the loss of sight of one eye, the loss of use of one hand or one foot, the hearing of both ears or the ability to speak.

Question: What is Accidental Death and Dismemberment with Accidental Permanent Total Disability (AD&D + APTD) coverage?

Answer:
Accidental Death pays the Principal Sum Benefit to the designated Beneficiary in the event of death due to accidental bodily injury, or exposure to weather as a result of an accident or disappearance or the sinking of a conveyance on which the insured was a passenger and the body is not found within 365 days of the event.

Dismemberment includes the loss of use of both hands or feet, or one hand and one foot, or the loss of sight of both eyes. The Principal Sum Benefit is paid for these losses. One half of the Principal Sum amount will be paid in the event of the loss of sight of one eye, the loss of use of one hand or one foot, the hearing of both ears or the ability to speak.

Accident Permanent Total Disability pays the Principal Sum Benefit if the Insured has been totally disabled from an accident for a 365-day Period and at the end of such period it is determined by competent medical authority that the Insured will not recover from the effects of the sustained injuries to the extent of ever being able to resume the material and substantial duties of the Insured’s occupation.

Question: What does limited War & Terrorism mean?

Answer: Limited War & Terrorism means claims caused or contributed to by an act of war or terrorism,

HOWEVER, this Endorsement does NOT cover such claims consequent on:

  1. war and civil war (whether declared or not) other than passive war. Passive: defined as not taking part, or
  2. an act of war or terrorism involving the use or release of any nuclear weapon or device or chemical or biological agent, regardless of any contributory cause(s).

Question: What does limited War & Terrorism mean?

Answer: 24-Hour Coverage includes any accidental bodily injury, including air travel and common carrier coverage.

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