Florida Health Insurance Terms:
"Accidental Death Benefit"

Accidental Death Benefit (ADB): This benefit is optional with many policies today. It provides an additional death benefit when the insured's death is caused by an accident.

Accidental death and dismemberment benefits are payable when you sustain bodily injuries solely through violent, external and accidental means, and as a direct result of the bodily injuries, independently of all other causes, and within one year afterwards, you lose your life, limb or eyesight.

Loss of hand means loss by severance at or above the wrist joint, or equivalent loss. Loss of foot means loss by severance at or above the ankle joint, or equivalent loss. Loss of sight means total and permanent absence of any usable vision.

Exceptions

Accidental death and dismemberment benefits will not be paid if your death or loss in any way results from, is caused by, or is contributed to by:

  • physical or mental illness;
  • the diagnosis of or treatment of a physical or mental illness; ptomaine or bacterial infection. However, accidental death and dismemberment benefits will be paid if the loss is caused by an accidentally sustained external wound;
  • a war (declared or undeclared), any act of war, or any armed aggression against the United States, in which nuclear weapons are actually being used;
  • a war (declared or undeclared), any act of war, or any armed aggression or insurrection in which you are in actual combat at the time bodily injuries are sustained;
  • suicide or attempted suicide;
  • injuring yourself on purpose;
  • illegal or illegally obtained drugs that you administer to yourself;
  • driving a vehicle while intoxicated, as defined by the laws of the jurisdiction in which you were operating the vehicle. Basic and any Optional insurance payment will be made regardless of these Accidental Death & Dismemberment benefit exceptions.

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