Final answer:
Accidental Death and Dismemberment (AD&D) insurance pays out a capital sum in case an insured loses a limb or their eyesight. Coinsurance, on the other hand, refers to a situation where an insurance policyholder pays a percentage of a loss, but it is not specific to the payout for losing a limb or eyesight.
Step-by-step explanation:
Insurance Types: In the case where an insured person loses a limb or their eyesight, the type of insurance that pays out a capital sum is called Accidental Death and Dismemberment (AD&D) insurance. AD&D insurance provides coverage for injuries resulting from accidents, and the insured person receives a lump sum payment if they suffer a covered loss such as the loss of a limb or their eyesight.Insurance Types
Coinsurance: Coinsurance, which is mentioned in the question, refers to a situation where an insurance policyholder pays a percentage of a loss, while the insurance company pays the remaining cost. However, coinsurance is not specific to a particular type of insurance, and it is not directly related to the payout for losing a limb or eyesight.Coinsurance