82. All of the following would be covered by an accidental death and dismemberment insurance policy EXCEPT:
Answer: C
Suicide while sane by any method or means is not covered by an accidental death and dismemberment insurance policy.
Accidental death and dismemberment insurance policies typically exclude coverage for intentional acts, including suicide. Therefore, this option is not covered under such a policy.
A) A chemical burn to the eyes resulting in blindness
This option is likely covered by an accidental death and dismemberment insurance policy, as it involves an unintentional injury that results in a significant loss of function, namely blindness.
B) Death resulting from the crash of a commercial airplane
Death resulting from an accident, such as a commercial airplane crash, would be covered by an accidental death and dismemberment insurance policy, as it is an unforeseen event leading to death.
C) Suicide while sane by any method or means
This option is excluded from coverage under accidental death and dismemberment insurance policies. Such policies do not provide benefits for intentional acts, including suicide, regardless of the mental state of the individual at the time.
D) Loss of both legs in a motor vehicle collision
This scenario would be covered by an accidental death and dismemberment insurance policy, as it involves an accidental injury resulting in the dismemberment of a body part, which is a primary purpose of this type of insurance.
Conclusion
The correct answer, suicide while sane, is excluded from coverage due to the intentional nature of the act. In contrast, all other options represent unintentional injuries or deaths, which are generally covered by accidental death and dismemberment insurance policies. Thus, option C is definitively correct as it aligns with the policy's exclusions.