Accidental Death and Dismemberment Insurance (AD&D Insurance)

Accidental Death and Dismemberment Insurance can be a great way to financially shield you and your family from the consequences of unforeseen accidents. AD & D insurance payout when an accident results in death or causes severe injuries such as loss of a limb, senses, or mobility. Unlike regular death insurance, it focuses only on accident-related situations. Whether you travel often, work in the field, or simply want added protection, accidental death insurance helps reduce financial strain and supports your income when life changes without warning.

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What Is Accidental Death and Dismemberment Insurance?

Accidental death and dismemberment insurance provides a payout if the policyholder either passes away due to an accident or suffers permanent damage like the loss of a limb, eyesight, hearing, or mobility. The goal is to help manage financial pressure when earning ability is suddenly affected.

Instead of replacing income over decades like term plans, insurance accidental covers focus on sudden, physical losses caused only by accidents.

A lump sum for accidental death.
A percentage of the sum assured for partial or full dismemberment.
Benefits for permanent disabilities caused by accidents.

Term Plans

₹1
Crore

Life Cover

@ Starting from ₹ 13/day⁺

₹50
LAKH

Life Cover

@ Starting from ₹ 8/day⁺

₹75
LAKH

Life Cover

@ Starting from ₹ 12/day⁺

What Does AD&D Insurance Cover?

Coverage varies slightly by insurer, but most dismemberment insurance plans include the following:

Accidental Death: Pays the full sum assured if death happens due to an accident.
Loss of Limbs: Compensation for losing hands, feet, fingers, or toes in an accident.
Loss of Vision or Hearing: This pays for permanent loss of vision or hearing.
Permanent Disability: This helps you in case an accident leaves you unable to work again.
Multiple Injuries: Partial payouts if more than one body part is affected.

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What Is Not Covered in the Accidental Death and Dismemberment Insurance?

Accidental death insurance is very helpful, but it does not cover all accidents. Some of the exclusions that are not covered are as follows:

Natural Causes: Death due to illness or health-related issues.
Self-Inflicted Harm: Injuries caused intentionally by the policyholder to themself.
War or Criminal Acts: Incidents related to or participation in illegal activities.
Substance Influence: Accidents while the policyholder is under the influence of alcohol or drugs.
High-Risk Activities: Certain adventure sports, unless specified separately.

How AD&D Insurance Works?

Here is a simple way to understand how accident and death insurance functions:

Situation	Benefit Paid	Example
Accidental death	100% of sum assured	Family receives full payout
Loss of one limb	50% of sum assured	Compensation for permanent damage
Loss of eyesight	50–100% depending on severity	Support for reduced earning ability
Partial disability	Fixed percentage	Based on injury chart
Multiple injuries	Combined payout	Subject to maximum limit

Who Should Consider AD & D Insurance?

The accidental death and dismemberment insurance is beneficial for the following:

Working Professionals: Additional coverage over and above standard death insurance.
Self-Employed Individuals: Security of income in case of injuries that prevent them from working.
Frequent Travellers: Added safety during daily commuting or travel.
Manual or Field Workers: Protection against physical job risks.
Primary Earners: Security against financial loss in case of an accident.

Benefits of Accidental Death and Dismemberment Insurance

Here is why many people add ad & d insurance to their portfolio:

Financial Stability:
When an accident suddenly takes away your earning potential, your loved ones should not have to worry about paying for everyday bills and EMIs. This cover provides a payout that helps replace lost income and keeps basic finances running smoothly during a difficult phase.
Affordable Premiums:
When compared to a standard death insurance plan, an ad & d insurance plan is generally more affordable. You get large cover in case of accidents without burdening your budget, which makes it easy to maintain in the long run.
Quick Assistance:
As the plan only handles accident-related claims, the process of filing a claim is relatively simpler and quicker. This means your loved ones get the help they need when they need it the most, rather than having to wait through a lengthy process.
Disability Support:
Accidents do not always lead to death. Sometimes they change the way you live or work. If you lose a limb, eyesight, or mobility, the payout helps cover medical care, rehabilitation, and the adjustments needed to continue your lifestyle.
Peace of Mind:
Knowing that you have protection against sudden physical setbacks lets you focus on living and working with confidence. You are not constantly worrying about what would happen if an accident disrupted your income or independence.

AD&D Insurance vs Regular Death Insurance

People often compare death insurance with accidental policies. Here is the difference:

Feature	AD & D Insurance	Traditional Death Insurance
Cause of payout	Only accidents	Any cause (natural or accidental)
Coverage scope	Injury and accident death	Full life cover
Premium amount	Usually lower	Higher for broader cover
Disability benefits	Included	Not always included
Purpose	Extra accident protection	Long-term family security

Ideally, both work together instead of replacing one another.

How to Choose the Right Accidental Death and Dismemberment Plan?

Before purchasing accidental death insurance, consider the following factors:

Amount of Coverage: Align it with your earnings and obligations.
Benefit Schedule: Review the calculation of dismemberment benefits.
Policy Exclusions: Know what situations are not covered.
Claim Process: Look for simple and transparent settlement steps.
Add-On Options: Some insurers allow riders for wider protection.

Final Thoughts

Accidents cannot be predicted, but their financial impact can be managed. Accidental death and dismemberment insurance gives focused protection against physical loss caused by unexpected events. While it does not replace regular death insurance, it strengthens your safety net by covering injuries and accident-related loss of life. By choosing the right insurance accidental cover, you protect not just income, but also long-term peace of mind for yourself and your family. If you treat it as a supporting layer in your financial plan, ad & d insurance becomes a practical step toward smarter risk management rather than an optional extra.

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FAQs

Q: What Is Accidental Death and Dismemberment (AD&D) Insurance?

Ans: AD & D insurance is a type of accidental death insurance that pays a benefit if the insured person dies in an accident or suffers a serious injury like loss of a limb, eyesight, or hearing. It comes under insurance accidental cover and includes both death insurance for accidents and dismemberment insurance for permanent physical loss caused by an accident.
Q: Who Should Consider AD&D Insurance?

Ans: People who are more likely to get into an accident often think about getting accident and death insurance. This includes people who travel a lot, people who commute every day, field workers, construction workers, delivery workers, and anyone whose job depends on their physical ability. It adds an extra layer to regular accidental death insurance.
Q: Is Paying for AD&D Worth It?

Ans: Many ask whether AD & D insurance is worth paying for. It can be useful if you want affordable protection against accident related risks and do not want the incident to disturb your family’s finances. While it does not replace full death insurance, it adds focused support for serious accidental events.
Q: Can You Claim Both Life Insurance and AD&D?

Ans: Yes, you can claim both. If a death happens due to an accident, your nominee may receive the payout from your regular death insurance as well as the benefit from accidental death insurance under your ad & d insurance policy, as long as both policies are active and conditions are met.

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˜The insurers/plans mentioned are arranged in order of highest to lowest Sum Assured(SA) offered by Policybazaar’s insurer partners offering term insurance plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI.

Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in

Rs. 400/month is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 400/month (Rs.13/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 230 is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 8/day is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 12/day is starting price for a 75 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 497/month is starting price for a 1.5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 487/month is starting price for a 2 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 626/month is starting price for a 3 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 905/month is starting price for a 5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. ₹360/month is the starting price for a ₹99 lakhs loan cover with an 8% interest rate for an 18-year-old male, non-smoker, with no pre-existing diseases, loan tenure up to 20 years, rounded off to the nearest 10

+Rs. 1,267/month is starting price for a 7 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

*The full refund of premium is available on availing the one-time option of refund of premium. Total premium paid for policy (paid for add-ons) will be the special exit value, payable on availing the one-time option of refund of premium if you wish to completely exit the policy.

+Rs. 447/month is starting price for a 1 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs.679/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 910/month is starting price for a 3 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,374/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,924month is starting price for a 7 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

Women

+Rs. 400/month is Starting price for a 1 crore term life insurance for an 18 year-old Female, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 461/month is the starting price for a 1 crore term life insurance for an 24 year-old female, non-smoker, with no pre-existing diseases, cover upto 54 years of age.

1,642/month is the starting price for a 1 crore term life insurance for an 44 year-old female, non-smoker, with no pre-existing diseases, cover upto 74 years of age.

Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited

We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881

For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale

Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.

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