Common Carrier AD&D (Accidental Death & Dismemberment)

This benefit provides coverage for Accidental Loss of Life, Limb, Sight, Speech, or Hearing that occurs while riding as a passenger in, entering, or exiting any licensed Common Carrier (such as a commercial airline, train, or bus).

It also covers you while traveling to or from the airport, terminal, or station in courtesy transportation or a public-hire vehicle immediately preceding departure or following arrival.
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The maximum benefit is $500,000.00 for Accidental Loss of Life, Loss of Speech and Hearing, or Loss of multiple limbs/sight.

You are covered for 50% of the benefit ($250,000.00) for the loss of one hand, foot, sight in one eye, speech, or hearing.

You are covered for 25% of the benefit ($125,000.00) for the loss of a thumb and index finger on the same hand.
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Losses occurring while acting or training as a pilot or crew member (except in a life-threatening emergency passenger takeover).

Losses due to emotional trauma, disease, pregnancy, childbirth, or bacterial/viral infections (unless the infection is directly caused by a covered accident).

Accidents occurring while under the influence of alcohol (intoxicated) or any non-prescribed controlled substance.

Participating in parachute jumping, military action, or flying on aircraft engaged in specialized aviation activities.

Suicide, attempted suicide, or intentionally self-inflicted injuries.

This benefit is issued and managed by the Chubb Group of Insurance Companies, located at 202B Hall's Mill Road, Whitehouse Station, New Jersey 08889.