Which of the following best describes the coverage of accidental death and dismemberment policies?

Accidental death and dismemberment (AD&D) policies specifically provide benefits in the event of severe consequences resulting from accidents, such as death or the loss of limbs or eyesight due to accidental injuries. These policies are not designed to cover all forms of accidental injuries broadly. Instead, they focus on certain critical outcomes that are explicitly stated in the policy. This means that while the coverage pertains to accidents, it only applies to designated injuries or incidents outlined in the policy terms.

For instance, if someone suffers an accident but does not face the specific injuries covered, or if the injury results from an illness rather than an accident, the benefits would not apply. This specificity is what distinguishes AD&D policies from broader personal injury or health insurance products, underlining the importance of understanding the limitations and scope of coverage under these policies.