What Is Considered a Accidental Death?

Insurance companies define accidental death as an event that strictly occurs as a result of an accident. Deaths from car crashes, slips, choking, drowning, machinery, and any other situations that can't be controlled are deemed accidental. ... These riders are called accidental death and dismemberment (AD&D) insurance.

Is a heart attack considered an accidental death?

Although unexpected, a heart attack is considered a natural cause of death and is, therefore, excluded from AD&D coverage. There is one exception to this exclusion. If the heart attack was precipitated by the accident, most AD&D policies will pay the stated benefit.

What is classed as accidental death?

Covers death from an unexpected and unintentional accident that isn't the symptom of a disease or illness.