Accidental Death and Dismemberment (AD&D) insurance is a type of excellent coverage that provides benefits in the event of an accidental death or specific injuries resulting from accidents. If the insured person dies or experiences a covered injury due to an accident, AD&D insurance pays out a lump sum (Multiple times) to the designated beneficiary or the insured person. This coverage typically includes a range of accidents, such as car crashes, falls, or other unforeseen incidents, but it does not cover natural causes or illnesses.

AD&D insurance aims to offer Lump sum financial protection in situations of accidental death or severe injury that involves loss of major body part.