$25,000 per person
24-Hour AD&D provides a cash payment in the event of accidental loss of life or limb during a covered trip.
Accidental Death and Dismemberment Benefit
The Insurer will pay the benefit stated below if an Insured Person sustains an Injury resulting in any of the losses stated below while covered under this Policy:
Life – 100%
Both Hands or Both Feet – 100%
Sight of Both Eyes – 100%
One Hand and One Foot – 100%
One Hand and the Sight of One Eye – 100%
One Foot and the Sight of One Eye – 100%
Speech and Hearing in Both Ears – 100%
One Hand or One Foot – 50%
The Sight of One Eye – 50%
Speech or Hearing in Both Ears – 50%
Hearing in One Ear – 25%
Thumb and Index Finger of Same Hand – 25%
Loss of one hand or loss of one foot means the actual severance through or above the wrist or ankle joints. Loss of the sight of one eye means the entire and irrecoverable loss of sight in that eye.
If more than one of the losses stated above is due to the same Accident, the Insurer will pay 100% of the Principal Sum. In no event will the Insurer pay more than the Principal Sum for loss to the Insured Person due to any one Accident.
The Principal Sum is stated in Benefit Overview Matrix.
Exposure. If by reason of an Accident covered by the Certificate a Covered Person is unavoidably exposed to the elements and as a result of such exposure suffers a Loss for which the Principal Sum is otherwise payable hereunder such Loss will be covered under the terms of this Certificate.
Disappearance. If the body of a Covered Person has not been found within one year of the disappearance, forced landing, stranding, sinking, or wrecking of a conveyance in which such Covered Person was an occupant, then it shall be deemed, subject to all other terms and provisions of the Certificate, that such Covered Person shall have suffered Loss of life within the meaning of the Certificate.
Special Limitations/Expenses Not Covered
In addition to general exclusions listed in Section VI., “Exclusions and Limitations: What the Plan does not pay for”, of this Certificate of Coverage, benefits will not be provided for the following:
1. For loss of life or dismemberment due to a Sickness, disease or infection.
2. For any loss of life or dismemberment before the effective date of coverage or after coverage ends.
3. There is no coverage for loss of life or dismemberment for or arising from an Accident in the Covered Person’s Home Country.