Accident Death and Dismemberment Benefits

Frequently asked questions for accidental death coverage

What is Accidental Death Benefit?

Insurance company will pay the amount specified in the Policy Schedule / Certificate of Insurance, if the Insured Person meets with an Accident during the Travel Period and that Injury is solely and directly resulting in the Insured Person’s death within a defined period from the date of the Accident.

What does Accidental Death and Dismemberment (AD&D) coverage entail in travel insurance?

AD&D coverage offers a monetary compensation to the nominee of the insured if the policyholder experiences death or permanent total disability as a result of an accident during the travel period.

Is AD&D coverage applicable globally?

Yes, this benefit is generally applicable worldwide throughout the insured travel period, unless explicitly excluded for specific countries or activities as stated in the policy wording.

Does AD&D insurance provide coverage for natural death or death resulting from illness?

No, AD&D coverage is exclusively applicable in cases of accidental bodily injury that directly leads to death or permanent total disability. Deaths resulting from illness, natural causes, or pre-existing conditions are not included under this benefit.

What constitutes a "permanent total disability" under this benefit?

Permanent total disability is defined as the complete and irreversible loss of function of essential body parts (for instance, the loss of both limbs, eyesight, or enduring paralysis), as outlined in the policy terms. This condition must be validated by a medical professional and acknowledged by the insurer.

Are there any exclusions associated with the AD&D benefit?

• Injuries incurred while under the influence of alcohol or drugs
• Engagement in hazardous or adventure sports (unless explicitly covered)
• Suicide or self-inflicted injuries
• Criminal activities or events related to war
• It is advisable to review the policy wording for a comprehensive list of exclusions.

Is AD&D coverage a component of all travel insurance plans?

Although the majority of travel insurance plans incorporate AD&D coverage as a standard benefit, the insured amount and specific conditions may differ by plan. Some plans may provide it as an optional add-on

What is the procedure for filing a claim under the AD&D benefit?

In the case of an accident, the nominee or legal representative must promptly inform the insurer and provide necessary documentation, including medical records, a death certificate, an accident report, and a copy of the policy. The insurer will assess the claim and facilitate the payout to the beneficiary.

Is it possible to increase the AD&D coverage amount beyond the standard sum insured?

Certain insurers permit customization or provide add-ons to raise the AD&D benefit limit for an additional premium. You can explore and compare these options when purchasing the policy. For more information you can speak to eindiainsurance customer support team.