Basic Accidental Death and Dismemberment Insurance


What is Basic and Voluntary Accidental Death & Dismemberment (AD&D) Insurance?

Accidental death and dismemberment insurance provides coverage for an organization’s employees, worldwide 24/7, on or off the job.

Why does your organization need Basic AD&D Insurance?

With basic AD&D insurance coverage, companies have an excellent solution that can help reduce employee health and benefits costs, expand benefit packages, and demonstrate their commitment to employees.

What does Basic AD&D Insurance cover?

AD&D insurance also makes customized solutions available for companies to support their specific needs. Options include:

  • Accidental Death & Dismemberment - provides a lump sum payment for a covered accident that results in a loss of life, limbs, speech, hearing, or sight
  • Family Coverage – Voluntary AD&D benefits increase maximum coverage for employees and can extend benefits to spouse, and children
  • Permanent and Total Disability - Provides a lump sum benefit if an insured becomes permanently and totally disabled because of a covered accident and cannot perform daily-living activities
  • In-Hospital Benefit - Pays monthly cash benefits for the duration of an insured’s hospital stay to cover additional expenses such as parking and transportation costs, childcare, and private accommodations
  • Rehabilitation - Reimburses covered rehabilitation expenses due to an accident such as physiotherapy

Important information about COVID-19

The AIG Advantage

  • AIG risk appetite for AD&D is broader than typical group benefit insurers and provides cost effective benefits for a range of occupations
  • Enables clients to provide a program with higher limits, if necessary
  • Makes available a “carve-out” program to a standard group life insurance program, allowing for broader AD&D insurance coverage for employees while helping clients control costs
  • Offers clients an easy, cost-effective AD&D program to setup and administer as a stand-alone, mandatory, or voluntary plan
  • Offers clients remarkable flexibility to tailor their program to employee needs through a broad range of additional benefit options
  • Pays benefits in addition to any other insurance that may be in effect at the time of the accident
  • Utilizes AIG’s global coverage network in 215+ countries and jurisdictions to deliver multinational capabilities to clients
  • Employs a team of dedicated in-house claims and underwriting professionals with many years of experience to collaboratively address clients’ claims swiftly, in French or English, worldwide