ACCIDENTAL DEATH OR DISMEMBERMENT
About the coverage
This coverage protects your clients in the event of accidental death or in the event of complete and permanent loss of use of one or more limbs or of the vision of one or both eyes. The loss must result directly from an accident suffered during the covered period and must occur within 12 months of the date of this accident. Depending on the loss sustained and the circumstances of the accident, we will pay an amount of up to $300,000
What is covered
Accidental Death or Dismemberment covers two types of situations:
Loss due to an accident while the client is travelling.
Death or dismemberment is due to an air flight accident that happens while your client is:
- Travelling as a paying passenger on board an aircraft to get to or from the destination
- Travelling as a passenger on a scheduled helicopter commuting between the airport, to connect with the flight required to get to or from the destination
- Travelling as a passenger on board a means of land or sea transportation provided at the expense of the airline
- Travelling on board a missing plane
- Waiting at the airport for the departure of the flight required to get to or from the destination
Benefits
| Accidental loss of | Under 18 years old | 18 to 64 years old | 65 years old and over | Air flight accidnet (all ages) |
| Life in public transportation other than an aircraft | $40,000 | $200,000 | $40,000 | N/A |
|
Life, or |
$20,000 | $100,000 | $20,000 | $300,000 |
|
Use of a single limb, or |
$10,000 | $50,000 | $10,000 | $150,00 |
Limitations and exclusions
Accidental Death or Dismemberment coverage is subject to exclusions and limitations, including but not limited to:
- High-risk sports or activities
- Illegal acts
- Terrorism
For all the details on what is covered as well as the coverage limitations, please refer to the insurance policy.