Illinois Health Insurance Practice Exam

What losses are covered by Accidental Death and Dismemberment insurance?

1. Loss of hearing

2. Loss of voice

3. Loss of speech

4. Loss of hand, arm, foot, or leg at or above specific locations

The correct answer is: Loss of hand, arm, foot, or leg at or above specific locations

Accidental Death and Dismemberment (AD&D) insurance specifically covers losses that result from accidents leading to significant injuries or death. Among these, the loss of a hand, arm, foot, or leg at or above specific locations falls within the scope of coverage provided by this type of insurance. The defined criteria for what constitutes a "dismemberment" typically includes the complete loss of limbs or functional capacity at specified points on the body, ensuring clarity on what injuries are covered. In contrast, losses such as hearing, voice, or speech are generally not included under AD&D coverage, as they do not relate to the physical loss of limbs or body parts in the same manner as dismemberment. This distinction is crucial to understanding the protective nature of AD&D policies, which focus specifically on catastrophic physical injuries resulting from accidents.