Final answer:
AD&D insurance typically pays out 100% coverage for accidental death, loss of two limbs, sight in both eyes, or a combination affecting hearing and speech. The dismemberment benefit covers injuries such as loss of a limb or vital senses, but specifics can vary by policy.
Step-by-step explanation:
Accidental Death and Dismemberment (AD&D) insurance is designed to provide benefits to the policyholder if they suffer from a severe injury or death due to an accident. When you ask about what is 100% covered under an AD&D policy, it typically means the situations or injuries for which the policy will pay out the full benefit amount to the insured person or their beneficiaries. In most cases, 100% coverage applies to events such as the loss of life, loss of two limbs, loss of sight in both eyes, loss of both hearing and speech, or a combination of these. However, it is essential to read the policy details as coverage can vary between policies and insurance providers.
Common scenarios that may trigger the dismemberment benefit include accidents leading to the loss of a limb or a vital sense like sight or hearing. The specific conditions and events that qualify for this benefit are often detailed in the policy itself. Remember, AD&D policies are strict about what constitutes an 'accidental' injury, so it is crucial for policyholders to understand their coverage specifics.