An unplanned, unforeseen event which occurs suddenly and at an unspecified place.

A type of insurance that protects the insured against loss due to accidental bodily injury.

An insurance policy which pays a specified amount or a specified multiple of the insured’s benefit if the insured dies, loses his/her sight, or loses two limbs due to an accident.

A policy rider that states that the cause of death will be analyzed to determine if it complies with the policy description of accidental death.

An infectious and incurable disease caused by the human immunodeficiency virus (HIV).

Activities individuals must do every day such as moving about, getting dressed, eating, bathing, etc.

The amount a physician or supplier actually bills for a particular service or supply.

A contract offered on a “take-it-or-leave-it” basis by an insurer, in which the insured’s only option is to accept or reject the contract. Any ambiguities in the contract will be settled in favor of the insured.

An insurance company authorized and licensed to transact insurance in a particular state.

A program for impaired adults that attempts to meet their health, social, and functional needs in a setting away from their homes.