menu

ACCIDENTAL DEATH OR DISMEMBERMENT

This coverage protects your client 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 period of coverage and must occur within 12 months of the date of this accident. Depending on the loss sustained and the circumstances of the accident, the insurer will pay an amount of up to $300,000.

In the Individual product, Accidental Death or Dismemberment coverage must be purchased with Emergency Medical Care coverage or Trip Cancellation or Interruption coverage. It is part of the core benefits in the package option.

What is covered

Benefit paid following an accident

This benefit is paid when death or dismemberment occurs as a result of an accident while your client is travelling, unless the accident is eligible for the benefit paid following an air flight accident.
The amount paid is established as follows:

Accidental loss of Under 18 years old 18 to 64 years old 65 years old and over
Life in public transportation other than an aircraft $40,000 $200,000 $40,000

Life, or 
Use of more than one limb, or
Vision in both eyes

 $20,000 $100,000 $20,000

Use of a single limb, or
Vision in one eye

 $10,000 $50,000 $10,000

 

Benefit paid following an air flight accident

This benefit is paid when death or dismemberment occurs because of an 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

 

The amount paid is established as follows:
 

Accidental loss of All ages

Life or use of more than one limb or vision in both eyes

 $300,000

Use of a single limb or vision in one eye

 $150,000

 

For all the details on what is covered as well as the coverage limitations, please refer to the insurance policy, pages 27-29.