Accidents can happen unexpectedly, especially when traveling through common carriers (air only). To face such circumstances, you need to stay prepared. While traveling, having travel insurance cover, including accidental death and dismemberment travel insurance, will help you and your family members to be prepared for any unforeseen situations.  

Some people associate accidental death coverage with a life insurance policy, but it is a part of travel insurance. This article explains the details of this additional coverage for common carriers (air only), coverage limitations, covered accidents, and breaking down the critical points in a simple and clear way.  

Accidental Death and Dismemberment Insurance For Common Carrier (Air Only) 

Imagine you or your family members are on a plane during a trip, and something unfortunate occurs, causing injuries or loss. This coverage is like a fail-safe for such situations. It provides benefits if you experience certain covered injuries or losses due to an accident while you are a passenger on a licensed air transportation service during your trip. You must be boarding, riding as a passenger, or alighting from any airplane. But, you will only be eligible for the coverage amounts if you submit medical exam reports. 
 

Coverage for Accidental Injuries  

There are certain requirements that need to be fulfilled while claiming accidental injuries. If the accident leads to more than one loss, the largest amount shown below in the table of losses shall be considered. Also, the loss must occur within 180 days after the accident date. 

This table of losses shows how accidental death and dismemberment insurance covers you. 
 

AXA travel insurance provides voluntary accidental death coverages under its silver, gold, and platinum. Each policy has different coverage options for the insured under a common carrier (air only).  

For the AXA Silver, you can become eligible for up to $25,000 

For the AXA Gold, the limit is up to $ 50,000 

For the AXA Platinum, the limit is up to $100,000 
 

Defining "Loss"  

The definition of "loss" varies based on the body part:  

• Hand or foot: Complete severance through and above the wrist or ankle joints.  

• Eye: Irrecoverable loss of sight.  

• Speech or hearing: Entire and irrecoverable loss of speech or hearing of both ears.  

• Thumb and index finger: Actual severance through or above the joint that meets the finger at the palm.   
   

Key Points to Understand: 

Before you look for dismemberment insurance or death benefit amount, you must understand some basic points associated with accidental death and dismemberment coverage. You must be aware of: 

1. What Is Covered: If you are injured or experience loss due to an accident while flying on a licensed passenger plane during your trip, this coverage applies.  
2. Time Limit: The accident-related injury or loss must happen within 180 days from the accident's date.  
3. Principal Sum: The amount of money you can receive as a benefit is based on the Principal Sum mentioned in the Schedule of Benefits.  

Additional Situations Covered  

Besides, there are some additional benefits that you may receive in case of exposure and disappearance. There is an eligibility date that you need to take care of while claiming the covered accident. 

1. Exposure: AXA can provide benefits when exposed to harsh elements due to an accident involving the plane, resulting in injuries. The exposure-related loss must occur within 365 days of the event.  
2. Disappearance: If your body cannot be found within 365 days after an accident that causes the forced landing, sinking, stranding, or wrecking of the plane, and you were a passenger, AXA can provide benefits to your beneficiaries.  
    

Conclusion  

Accidents can happen even during air travel, but having the right travel insurance policy  

can provide you and your loved ones with the required support during tough times. Accidental death and dismemberment coverage ensures that you will have some level of protection in place if the unexpected occurs. Go through the fine print of your travel insurance policy well to understand the benefits and limits it offers.  
 

FAQs 

1. What is the 'Principal Sum' mentioned in the AD&D coverage? 

The Principal Sum stands for the highest amount you can get for a covered loss. This sum changes based on your plan type (silver, gold, or platinum) and is listed in the Schedule of Benefits.  

2. What do I need to check before getting the AD&D coverage for air-only travel? 

Look over the policy's covered events, benefit caps, principal sum, additional coverage, and what's not included. Knowing what's in your policy helps make sure you have the right coverage for what you need. 

3. What is the Schedule of Benefits? 

The Schedule of Benefits in AXA travel insurance is a detailed list that shows the specific coverage and benefit limits mentioned under a certain travel insurance. 

4. How does AD&D (air only) coverage differ from regular travel insurance?  

Regular travel insurance might protect you from various risks, like trip cancellations and medical costs. AD&D (air only) coverage, on the other hand, specifically provides benefits for accidents or deaths that happen during air travel.  

5. How can I ensure I have the right coverage for my air travel?  

To make sure you're covered, think about how often you fly, what risks you face, and what you plan to do while traveling. It's a good idea to talk to a travel insurance agent who can help you pick the most suitable AD&D policy for your needs.