Difficulty: Medium

Average Score: 67%

All of the following would be covered by an accidental death and dismemberment insurance policy EXCEPT:

Rationale

Suicide while sane by any method or means

Accidental death and dismemberment insurance policies typically exclude coverage for intentional acts, including suicide, regardless of the mental state of the individual at the time. This exclusion is a standard practice in insurance policies to mitigate risk associated with self-inflicted injuries.

A (A chemical burn to the eyes resulting in blindness) YOUR ANSWER

Chemical burns, while unfortunate, are considered accidental injuries and would typically be covered under an accidental death and dismemberment policy if they lead to significant loss, such as blindness. The key factor is that the injury was not intentional, aligning with the policy's intent to cover unforeseen accidents.

B (Death resulting from the crash of a commercial airplane) YOUR ANSWER

A fatality resulting from an airplane crash is classified as an accidental death and is generally covered by such insurance policies. The unexpected nature of a plane crash fulfills the criteria for coverage, as it does not arise from any intentional act by the insured.

C (Suicide while sane by any method or means) CORRECT

This choice represents a clear exclusion in accidental death and dismemberment policies. Insurers do not cover deaths resulting from suicide because it is deemed an intentional act, regardless of the individual's mental state, directly contradicting the policy's aim to cover accidental occurrences.

D (Loss of both legs in a motor vehicle collision) YOUR ANSWER

The loss of limbs due to a motor vehicle accident is considered an accidental dismemberment, which is covered by these insurance policies. The unintentional nature of the collision meets the requirements for compensation under the policy.

Conclusion

Accidental death and dismemberment insurance is designed to provide financial protection against unforeseen accidents. Exclusions, such as suicide while sane, highlight the policy's focus on incidents that are genuinely accidental. Other choices, like chemical burns and accidents resulting in death or dismemberment, are covered as they align with the policy's intent to safeguard against unintended injuries and fatalities.

Related Questions

View all