Accidental Death and Dismemberment insurance pays a lump-sum benefit if you die or suffer a serious injury as the result of an accident. The full benefit amount is paid in the event of accidental death. Partial benefits — typically a percentage of the full amount — are paid for the loss of limbs, eyesight, hearing, or speech due to an accident. AD&D is separate from life insurance, which pays out regardless of the cause of death. AD&D does not cover death or injury from illness, natural causes, or self-harm. It is commonly offered as a rider on health or life insurance plans, or as a standalone policy. AD&D premiums are generally low because accidental death and dismemberment events, while serious, are statistically infrequent. Many group benefit plans include AD&D coverage as a standard component.