What is accidental death and dismemberment insurance?

Accidental death and dismemberment insurance (AD&D) is a rider attached to a health insurance or life insurance policy covering death by accidental means and dismemberment, including the loss of or the loss of use of body parts or functions (meanings limbs, speech, eyesight or hearing). Because these riders are generally constructed in a way that makes the insurer pay twice the amount otherwise payable, AD&D is sometimes referred to as a double indemnity rider. It is essential for prospective buyers to carefully read the fine print before adding this insurance because it is a strictly limited policy and is often encumbered with a variety of specific terms that must be followed to the letter.

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