Exclusions to AD&D insurance
In addition to illness, diseases and old age, AD&D insurance typically won’t pay anything for death or injury caused by:
- Suicide.
- War (declared or undeclared).
- Intentionally self-inflicted injury.
- Being intoxicated.
- Voluntary consumption of poison, a chemical or drugs (except when prescribed by a doctor).
- Getting on, leaving or being in an airplane unless you’re a fare-paying passenger on a commercial aircraft.
- Participating in an assault, felony or riot.
Medical or surgical treatment.
