In the context of accidental death and dismemberment insurance, what types of injuries qualify for coverage?

In the context of accidental death and dismemberment (AD&D) insurance, coverage is specifically designed to address severe injuries that result from accidental events. This type of insurance typically covers scenarios where a person's life is lost or they suffer significant bodily harm, such as loss of limbs or significant bodily functions, due to unforeseen accidents.

Severe injuries from accidents encompass a range of situations, such as those resulting from transport accidents, falls, or other unpredictable incidents that cause substantial and permanent damage. This focus on accidents ensures that the policy provides financial support to individuals or their beneficiaries when there are serious adverse outcomes due to unexpected incidents.

Other types of injuries, such as those resulting from medical negligence or intentional self-harm, do not qualify because they involve different circumstances that are not considered accidental by nature. Additionally, minor injuries like sprains fall outside the intended scope of AD&D policies, which prioritize coverage for more impactful and life-altering conditions. Thus, severe injuries from accidents align directly with the purpose of AD&D insurance, making this the correct choice.