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Would accidental death and dismemberment Insurance pay a claim due to an accidental death on a business trip?
Wiki User
∙ 16y ago
It is difficult to say because it depends on the specific accidental death and dismemberment(AD&D) policy and it's insuring clause. There are many variations of coverage. You have to look at the actual policy and see if the insuring clause limits coverage in any way such as flight accident only or common carrier, or public conveyance, etc. You then have to look at the policy exclusions to see if any specific circumstances are excluded.
Wiki User
∙ 16y ago
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In what circumstances would accidental death and dismemberment Insurance pay if death followed open heart surgery?
Contact the carrier for clarity, but I dout there would be coverage for this as not accidental.
How much Accidental death and dismemberment insurance should you get?
The amount of life insurance you purchase depends on how many dependents you have and their ages. You would want term insurance that would cover several years of living expenses plus college for a spouse and children. Mind you, this is cheaper the younger you are. Accidental death and dismemberment may be a subset of life insurance--your beneficiaries get paid for your untimely death.
What does AD and D limit means in insurance?
It might be different for you, but with my insurance AD&D stands for Accidental Death and Dismemberment, and the limits are the maximum amount of compensation that can be distributed to you upon fulfillment of the policy. Accidental Death and Dismemberment: A certain amount would be paid if death was result of an accident, rather than a disease, for example. Dismemberment would be if somebody lost a hand (or use of the hand) or foot or leg, etc.
In what circumstances would accidental death and dismemberment insurance pay if death followed cancer?
Accidental death and dismemberment insurance would generally not pay out in the case of death following cancer, as it specifically covers only accidents such as car crashes, falls, or other unexpected events. Since cancer is typically considered an illness rather than an accident, it usually falls outside the scope of coverage for this type of insurance.
Would a death from a spider snake etc be considered an accidental death and would coverage still pay?
I doubt it. What is the definition of accident in the policy? Here's a partial definition that I found: What Is Accidental Death & Dismemberment (AD&D) Insurance? Accidental Death and Dismemberment is a life insurance product that pays proceeds to your designated beneficiaries if you die or are disabled as a result of injuries caused by a covered accident (not due to an illness). A covered accident is one that is explicitly mentioned in the policy as a basis for payment. http://www.chase.com/cm/cs?pagename=Chase/Href&urlname=chase/pf/insurance/lh/add
Is sudden infant death under the accidental death and dismemberment insurance?
As a licensed insurance agent, I would say that in most cases this would be covered under suffocation, provided the infant has his/her own policy or is included on the parents existing policy under a family plan or a primary/child policy. Of course with all policy's you should check the fine print to make sure.
What if someone says they have life insurance and the company tells you it was accidental insurance?
You would check out the written policy to see which it was. Accidental insurance is much cheaper than the other, because dying by accident is less common.
How to get the best rates for accidental death insurance?
In order to find the best rates for accidental death insurance, it would be advisable to meet with insurance agents who could help one find the best policy for their line of work.
A tenant damaged my property. Will my insurance cover it?
This would be covered under Malicious or accidental damage if your insurance company provides this.
Is a fractured neck considered to be under dismemberment?
Broken bones are not a dismemberment. To have a broken neck considered a dismemberment, the head would have been separated from the rest of the body.
How do you get business travel insurance?
In order to get business travel insurance, you would have to contact an insurance company that offers this service. Then request a quote for your business travel insurance.
What type of life insurance policies are carried by Aetna?
Aetna offers several different types of life insurance policies which would include, basic, supplemental, dependent and accidental death. There is also supplemental accidental death and supplemental dependent life insurance to choose from.
