For which condition would an Accidental Death and Dismemberment policy typically provide coverage?

An Accidental Death and Dismemberment (AD&D) policy is specifically designed to provide benefits in the event of death or severe injury stemming from an accident. The coverage typically includes situations where an individual suffers from accidental injury, meaning that benefits would be paid out if an insured individual were to die or lose a limb due to an unforeseen and unintentional incident.

This type of policy does not generally extend to losses associated with chronic or terminal illnesses, as those conditions typically result from long-term health issues rather than accidents. Thus, while loss of limb could potentially be covered under an AD&D policy, it has to specifically result from an accident to qualify for benefits under the terms of the policy. Therefore, the most straightforward and applicable condition that an AD&D policy provides coverage for is accidental injury.