Question: what is meant by accidental death and dismemberment insurance?
Answer: Accidental death and dismemberment (AD&D) insurance is usually a rider to a health insurance or life insurance policy. The rider covers the unintentional death or dismemberment of the insured. Dismemberment includes the loss—or the loss of use—of body parts or functions (e.g., limbs, speech, eyesight, and hearing).