$25,000 per adult
$10,000 per child
24-Hour AD&D provides a cash payment in the event of accidental loss of life or limb during a covered trip.
ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) – 24 Hour
Accidental Death and Dismemberment will apply to Covered Accidents incurred by a Covered Person. If Injury to the Covered Person results in any one of the losses shown below within 365 days from date of the Covered Accident, We will pay the Benefit Amount shown below for that loss. If multiple losses occur, only one Benefit Amount, the largest, will be paid for all losses due to the same Covered Accident.
COVERED LOSS BENEFIT AMOUNT
Loss of Life – 100% of Principal Sum
Loss of Hands (Both), Loss of Feet (Both), or Loss of Sight of One Eye – 100% of Principal Sum
Quadriplegia – 100% of Principal Sum
Paraplegia – 75% of Principal Sum
Hemiplegia – 75% of Principal Sum
Loss of Hand, Loss of Foot or Loss of Sight of One Eye (any one of each) – 50% of Principal Sum
Uniplegia – 25% of Principal Sum
Loss of Thumb and Index Finger of the same hand – 25% of Principal Sum
Exposure and Disappearance Benefit – Benefits are payable if a Covered Person is exposed to the elements after the forced landing, stranding, sinking, or wrecking of a vehicle in which They were traveling. The Covered Person is presumed dead if They are in a vehicle that disappears, sinks or is stranded or wrecked and Their body is not found within six (6) months of the Covered Accident.
If a Covered Person is Injured while wearing a seatbelt and operating or riding as a passenger in an Automobile resulting in any one of the losses shown above within 365 days from the date of the Covered Accident, we will pay benefits as outlined in the Scheduled of Benefits.
ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) – FELONIOUS ASSAULT & VIOLENT CRIME – $50,000
We will pay the Benefit Amount for felonious assault, if Accidental Bodily Injury that results from felonious assault causes a Covered Person to suffer one of the losses shown below within 365 days from the felonious assault. The Benefit Amount for felonious assault is payable in addition to any other applicable Benefit Amounts under this policy.
Any assault by a family member is not covered under this benefit.
COVERED LOSS BENEFIT AMOUNT
Loss of Life – 100% of Principal Sum
Loss of Hands (Both), Loss of Feet (Both), or Loss of Sight of One Eye – 100% of Principal Sum
Quadriplegia – 100% of Principal Sum
Paraplegia – 75% of Principal Sum
Hemiplegia – 75% of Principal Sum
Loss of Hand, Loss of Foot or Loss of Sight of One Eye (any one of each) – 50% of Principal Sum
Uniplegia – 25% of Principal Sum
Loss of Thumb and Index Finger of the same hand – 25% of Principal Sum
COMA BENEFIT – $10,000
Benefits are payable if the Covered Person becomes comatose within 31 days of a Sickness or Injury and remain in a coma for at least 31 days.
ADAPTIVE HOME AND VEHICLE – $5,000
Benefits are payable if the Covered Person has an Injury which results in a Covered Loss under the Accidental Death and Dismemberment Benefit, We will pay an additional benefit equal to the least of the actual cost of the alterations for the one-time cost of alterations to the Covered Person’s principal residence and/or private Automobile to make the residence accessible and/or the private Automobile drivable or rideable.