A TRUSTED INDEPENDENT HEALTH INSURANCE GUIDE SINCE 1999.
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What are the deadlines for the ACA’s open enrollment period?
A list of the open enrollment deadlines for enrollment in 2023 ACA-compliant health insurance in every state. Open enrollment ended on January 15, 2023 in most states.

Latest News & Topics

Latest News & Topics

Featured

Featured
Applying for ACA Coverage?
Understanding how small differences in projected income can have a large impact on your health plan costs can be key to obtaining affordable coverage.

accidental death and dismemberment insurance

What is accidental death and dismemberment insurance?

healthinsurance.org health insurance glossary

What is accidental death and dismemberment insurance?

Accidental death and dismemberment insurance (AD&D) is also known as personal accident insurance (PAI). An AD&D policy provides a lump-sum payment to you or your beneficiaries if you’re involved in an accident that results in your death or a permanent injury that’s specifically covered in your policy.

AD&D policies do not cover illnesses, or accidental injuries that aren’t specifically covered by the policy. Typically, AD&D policies cover death, loss of vision, hearing, or speech, paralysis, or loss of a limb. The maximum payout is the face value of the policy, which is paid to the plan member’s beneficiaries if the accident results in death.

A specified percentage of that amount (for example, 25 percent or 50 percent) would be paid for things like loss of eyesight or loss of a leg.

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