$150,000 per person
Flight Only AD&D provides a cash payment in the event of accidental loss of life or limb that occurs while flying during a covered trip.
ACCIDENTAL DEATH AND DISMEMBERMENT – COMMON CARRIER (AIR ONLY)
We will pay benefits for injuries resulting in a loss as described in the Table of Losses below, that occurs while you are riding as a passenger in or on, boarding or alighting from, any air conveyance operated by a common carrier during the covered trip. The loss must occur within three hundred sixty-five (365) days after the date of the accident causing the loss. The Principal Sum is shown on the schedule of benefits.
If more than one (1) loss is sustained as the result of an accident, only one (1) benefit, the largest, will be payable for all losses due to the same accident. We will not pay more than one hundred percent (100%) of the maximum limit for all losses due to the same accident.
TABLE OF LOSSES
Life – 100%
Both hands or both feet – 100%
Sight of both eyes – 100%
One hand and one foot – 100%
Either hand or foot and sight of one eye – 100%
Either hand or foot – 50%
Sight of one eye – 50%
Speech and hearing in both ears – 100%
Speech – 50%
Hearing in both ears – 50%
Thumb and index finger of same hand – 25%
Loss with regard to:
a. Hand or foot, means actual complete severance through and above the wrist or ankle joints;
b. Eye means an entire and irrecoverable loss of sight;
c. Speech or hearing means entire and irrecoverable loss of speech or hearing of both ears; and
d. Thumb and index finger means actual severance through or above the joint that meets the finger at the palm.
Accidental Death and Dismemberment – Common Carrier (Air Only) Exclusions:
In addition to the General Limitations and Exclusions, the following exclusions apply to the Accidental Death and Dismemberment – Common Carrier (Air Only) Benefit. No benefits will be paid for any loss for, caused by, or resulting from:
a. Death caused by or resulting directly or indirectly from sickness or disease of any kind; or
b. Stroke or cerebrovascular accident or event; cardiovascular accident or event; myocardial infarction or heart attack; coronary thrombosis; aneurysm;
c. Intentionally self-inflicted injury, suicide, or attempted suicide by you;
d. You or your traveling companion traveling for the purpose of securing medical treatment;
e. Your participation in adventure activities, winter activities or dangerous activities, except as a spectator.
f. Normal pregnancy or childbirth, or elective abortion. However, unforeseen complications of pregnancy are not excluded;
g. Your mental, nervous or psychological disorder;
h. Any loss that occurs on a covered trip with a destination less than one hundred (100) miles from your primary residence or to another residence owned by you or your traveling companion, or on a covered trip that is not at least overnight in length; or
i. Pre-existing medical conditions.