Accidental death and dismemberment cover is tied to specified accidental events and listed benefits. It is narrower than a policy that pays on death from a broad range of causes, and the policy’s definitions of an accident and qualifying injury determine the assessment.
The distinction that matters
An accident benefit should not be treated as equivalent to comprehensive life, trauma or disability cover. Employer-funded or voluntary group membership also has its own eligibility and cessation rules.
What to check
- The exact accident and injury definitions.
- Benefits for each listed loss and any aggregate limit.
- Illness, occupation, activity and travel exclusions.
- Group membership, portability and when cover ends.
Example to discuss
Ask how an injury that prevents work but does not meet a listed-loss definition would be assessed; do not infer an income benefit from the product name.
This is a hypothetical comparison, not a customer claim or a determination of cover.
Sources and further reading
General information only. The policy, schedule and applicable rules determine the actual position. For a personal decision, use an appropriately qualified adviser or the relevant provider.