Health Insurance Benefits
Accidental Death & Dismemberment (AD&D)
What this benefit typically includes in extended health insurance plans in Canada - and what to look for when comparing coverage.
AD&D coverage provides a lump-sum payment if the insured suffers a severe accident or fatality. It generally includes:
- Death benefits paid to beneficiaries in the event of accidental death.
- Dismemberment benefits for the loss of limbs, sight, hearing, or other functions due to an accident.
- Benefits for partial or permanent disability resulting from an accident.
- Supplemental coverage for accidents occurring while traveling or participating in hazardous activities (with limitations).
- This benefit often has specific payout amounts for different types of injuries or losses, with the benefit schedule detailed in the policy.