Question 82

Suicide while sane by any method or means is not covered by an accidental death and dismemberment insurance policy.

Accidental death and dismemberment insurance typically does not cover suicide, as it is not considered an accident. Therefore, this option stands out as the exception in the context of the other choices.

A) A chemical burn to the eyes resulting in blindness

This option would be considered a covered incident under an accidental death and dismemberment insurance policy, as it results from an unforeseen event that causes serious injury. Chemical burns are not intentional and hence fall under the scope of accidental injuries.

B) Death resulting from the crash of a commercial airplane

This scenario is also covered by an accidental death and dismemberment insurance policy, as the crash represents an unexpected and accidental event leading to death. Such coverage is specifically designed to address fatalities resulting from accidents, including aviation incidents.

C) Suicide while sane by any method or means

This option is explicitly not covered by accidental death and dismemberment insurance policies. Insurers typically exclude suicide from coverage, regardless of the mental state of the individual, as it is not classified as an accidental event.

D) Loss of both legs in a motor vehicle collision

This situation would be covered under an accidental death and dismemberment insurance policy, as it results from an unforeseen incident (the vehicle collision) that leads to the loss of limbs. Such injuries are precisely what this type of insurance aims to address.

Conclusion

The correct answer, "C) Suicide while sane by any method or means," is definitively not covered by accidental death and dismemberment insurance policies, as it does not meet the criteria of an accidental event. In contrast, all other options involve incidents that result from accidents, which are covered by such policies. Thus, C stands out as the only exception.