AD&D insurance coverage will depend on your specific policy and insurer, but it may cover:

Accidental death

If the insured person dies due to an accident, a lump-sum payment is typically made to the beneficiaries.

Dismemberment

If an accident results in the covered person losing a limb or being permanently disfigured, the policy may provide compensation based on the severity of the injury.

Hospitalization

Some policies include coverage for hospitalization and medical expenses resulting from an accident.

Transportation expenses

AD&D policies may also cover transportation costs related to the accident, such as ambulance fees