Accidental Death & Dismemberment (AD&D)

If an injury occurs during the Period of Coverage and results in one of the following losses within 365 days after an accident, the Plan will pay for the loss as follows:

"Member" means hand, foot or eye. The term "loss" means with regard to hands and feet, actual severance through or above wrist and ankle joints and with regard to eyes, entire and irrecoverable loss of sight. With regard to speech, loss must be entire and irrecoverable, and with regard to hearing, the loss must be entire and irrecoverable in both ears. "Quadriplegia" means the complete and irreversible paralysis of both upper and both lower limbs. "Paraplegia" means the complete and irreversible paralysis of both lower limbs. "Hemiplegia" means the complete and irreversible paralysis of the upper and lower limbs of the same side of the body. "Uniplegia" means the complete and irreversible paralysis of one limb. "Limb" means entire arm or entire leg. Only one amount, the largest to which the Insured Person is entitled, is paid for all losses resulting from one accident. In the event of a loss, benefits will be paid according to the Principal Sum selected on the Application.

Exclusions

For Accidental Death and Dismemberment, this insurance does not cover losses resulting from:

1. a) intentionally self-inflicted injury, suicide while sane or attempted suicide while insane; b) war or any act of war, declared or undeclared, or service in the military, naval or air service of any country; or c) piloting or acting as a crew member or riding in any aircraft except as a fare-paying passenger on a scheduled airline;
   
   
2. a) illness, disease, pregnancy, childbirth, miscarriage or any bacterial infection other than one occurring from an accidental cut or wound; or b) hernia.
   
   

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