What does accidental death and dismemberment insurance cover?

• A. All medical expenses regardless of cause
• B. Death from any cause
• C. Death and specific injuries resulting from accidents
• D. Only temporary disability from accidents

Answer: (C)

Accidental death and dismemberment insurance specifically provides coverage for death and specific injuries that result from accidents. This type of insurance pays a benefit in the event of an accidental death, and it also covers injuries such as the loss of limbs, sight, or other specified body parts due to an accident. It is important to note that this policy does not cover death or injuries resulting from natural causes, illnesses, or non-accidental events, which reinforces the focus of this type of insurance on accidents only.

The nature of accidental death and dismemberment insurance is designed to protect individuals and their beneficiaries in the event of unforeseen, traumatic incidents. This assurance can be critical for individuals who may be at higher risk for accidents, providing financial support in the aftermath of such events.