Accidental death and dismemberment insurance

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In insurance, an accidental death and dismemberment (AD&D) policy provides financial benefits to the insured or their beneficiaries in the event of accidental death, serious injury, or dismemberment resulting from an accident.

Unlike traditional life insurance, which only pays out in the event of death, AD&D insurance provides additional coverage in case the insured experiences a serious injury or loses a limb or other body part due to an accident.

The benefits paid out by an AD&D policy can help cover medical expenses, rehabilitation costs, and other expenses associated with an accidental injury. They can also provide financial assistance to the insured's family in the event of accidental death.