There are so many different types of insurance available to purchase that choosing the one that's right for you can be a bit overwhelming. Accidental death and dismemberment insurance is probably one you've heard of before. But what exactly does it cover?

AD&D covers a variety of accident scenarios depending on the policy and the provider. To purchase AD&D you generally do not require a medical before obtaining the policy. Coverage includes all accidents that occur at work, home, or at play. Best of all this type of insurance is very affordable!

You will typically get full coverage for loss of life or a limb, loss of one or both eyes, loss of eyesight, speech loss, double hearing loss, or total or partial paralysis as a part of a standard benefits package.

50% is generally paid out for loss of one hand, loss of one foot, loss of one eye, loss of speech, hearing, or hemiplegic. While a 25% payout occurs for loss of a thumb and index finger on the same hand, or a variety of other finger combinations.

Plans that cover accidental death and dismemberment frequently include related benefits, including a waiver of premium and/or double indemnity for paralysis or dismemberment. Additional expenses associated with or incurred by injury or death, such as emergency evacuations, educational retraining, or home renovations and vehicle modifications to allow for disability, may also be covered.

You will be able to choose an optional family coverage for a very reasonable price, and accidental death and dismemberment is similarly reasonable. $100,000 worth of coverage should cost you about $1.80 per month for an individual, or $3.50 for an entire family.

Most of the accidental death and dismemberment insurance plans do have a few exclusions for which they will not pay out. Self inflicted injuries, attempted suicide, war, a career in the armed forces, or a career as a pilot are a few of the exclusions that are part of the policy.

Accidental Death and Dismemberment policies differ: some offer a life insurance payout if death occurs, while others provide strictly benefits. These generally provide a large, one-time payment when death or dismemberment as a result of an accident occurs. For clarification, you should read your policy.

You must be absolutely positive that you file your claim within 365 days of the accident. You must fill out the requested forms completely after you have gotten them from the insurer. Your doctor will need to sign the fully completed forms, and most claims will require the certificate to be signed by your doctor.

Accidental death and dismemberment coverage is a very specific type of insurance, but is generally reasonably priced. You'll want to weigh the costs and benefits of this type of coverage as well.

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