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What is a "covered accident" under an accidental death and dismemberment policy?

Accidental Death & Dismemberment - Question 5
A "covered accident" that is eligible to pay out benefits must occur while the policyholder is under contract. The covered accident must also qualify as an acceptable injury or death due to accident. Natural sickness or disease not related to an injury, or injuries resulting from medical or surgical treatment are not considered "covered accidents."

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