Death by illness, suicide, non-commercial aviation, war injury, and natural causes are generally not covered by AD&D.
Overdose with toxic or poisonous substances and injury of an athlete during a professional sporting event may void the right to claim too.
Some insurance carriers will tailor their clients' coverage to include some of the above risks, but every such extension will be accompanied by increased premiums.
Fractional amounts of the policy will be paid out if the covered employee loses a bodily appendage or sight because of an accident.
[2][3][4] Additionally, AD&D generally pays benefits for the loss of limbs, fingers, toes, sight and permanent paralysis.