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Why take Accidental death and dismemberment Insurance?


Accidental death and dismemberment Insurance commonly referred to as (AD&D) provides benefits to the beneficiaries only as a result of accident which leads to the dead or dismemberment of the insured. Person which occur as a result of an accident. If the insured person dies from disease or health conditions that are not related to the accident the beneficiaries will not be any amount even if the has been paid. It works with restriction to the case of dead or dismemberment. If the insured is amputated as a result of a terminal disease that will not be covered under the policy because it limits the cause of dead or dismemberment to accidents.
It does not cover any dead to the persons that may result for infections like bacterial, drug abuse. Like many life insurance policies it does not cover dead that results from high risks sports like motorcar racing, skydiving mount climbing and fighting be it war or riots. One can have the policy basing on the basic life style. Any kind of high risk activity involvement will have to be covered using additional life insurance policies like health insurance, for risk that cause diseases. The accidental death or dismemberment life insurance has options to cover cost of burial after dead as a result of an accident or covering of the health bills that may arise from the accident. The beneficiaries will always be compensated if the insured dies as a result of an accident (accidental dead). Incase of dismemberment the beneficiaries are compensated using the value amount that the policy provides for. For example their different value depending on the accident like loosing eyesight, hearing and loosing limbs.

Like many insurance policies it always good to understand it better by being sure you have double check all the details or consult an in depended person to explain the benefits before buying the insurance cover. It is also good to get the premium the period on which the insurance covers. It works well with other insurance polices one has and do not charge higher rates for the persons who are in high risk jobs though this varies from one insurance provider to the other. Its disadvantage it the limitation to accident it provides for, which other insurance policies have provided for a wide range of risk apart from accident. It is wise to have it though because of the continuous use of made equipment that are not that predictable.
 
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