Personal Accident or Accidental Death and Dismemberment Insurance
Compensation for bodily injuries, permanent or partial disablement, death caused in an accident during the trip.
Accidental death and dismemberment (AD&D) coverage pays a lump sum amount in the event of death and dismemberment due to an accident. In the unfortunate event of death of the insured person, the benefit amount will be paid to a beneficiary/nominee. So, do fill up the name of the nominee while applying for travel insurance. In case of dismemberment, defined as a loss of limb, a partial amount of the insurance is paid to the insured. AD&D generally pays for the loss of limb, sight and permanent paralysis. The types of injuries covered and the amount paid depend on the travel insurance plan opted for, vary from insurer to insurer and are specifically mentioned in the insurance policy