Accident and health insurance, also known as casualty insurance, typically covers accidental injury and accidental death. In the event of an accident, benefits will cover medical expenses, preventative services, and, to some extent, catastrophic care. Benefits are paid to named beneficiaries in the event of an accidental death. Accidental death is frequently combined with dismemberment, giving rise to the term “Accidental Death and Dismemberment.” In this case, specific sums are paid to the insured in the event of amputation. The policy specifies the amount paid for each type of dismemberment. Dismemberment of a leg, for example, pays more than dismemberment of a finger.
See Also Accidental Death and Dismemberment