Does Accidental Life Insurance Cover A Heart Attack? 
No a heart attack is usually not considered accidental but rather a health condition . Accidental Death life policies are `` conditional '' pay policies , where just simple death does n't necessarily trigger a death claim payout . Certain conditions must be met for payment and most people are n't aware that one of the conditons is a time restriction . A person is gravely injured in a car accident and manages to live 94 days before passing . Clearly an accident was the cause of death , but ? according to the conditions of the policy the death must occur within 90 days of the event . Living 94 days actually voids the policy . AD&D insurance is extremely inexpensive . It is not priced that way because a company pays out a lot in claims . One really needs to think if there are any savings in a life plan that is subject to conditional death to pay out . 