What type of insurance would typically cover an accident leading to death or dismemberment?

Accidental death and dismemberment insurance specifically covers situations where an individual suffers death or loss of limbs or other body parts due to an accident. This type of policy provides benefits directly linked to accidental events, distinguishing it from other insurance types that do not focus exclusively on accidents or their specific consequences.

For instance, life insurance pays out a benefit upon the death of the insured, but it may not specify or limit the cause of death to accidents. Critical illness insurance provides coverage for specific serious health conditions, not accidents, while health insurance covers a broad range of medical expenses but is not focused on payouts for accidental injuries or deaths. Therefore, accidental death and dismemberment insurance is the most appropriate coverage for incidents involving death or dismemberment due to an accident.