Accidental death and dismemberment coverage

British Columbia is one of Canada’s most geographically diverse provinces, with spectacular coastlines, forests, mountains, lakes, and rivers. That diversity is also one of the primary reasons many physicians choose to call BC home. Participating in recreational activities is an important element of a healthy work-life balance, and BC offers opportunities for a multiple of outdoor recreational activities. While an active lifestyle provides many benefits and likely contributes to reducing your probability of illness and health problems, it can also present increased risks for serious injury or even death.

Accidental death and dismemberment (AD&D) coverage offers a cost-effective option to provide additional protection for you and your family. This coverage provides a lump sum payment for losses resulting from accidental injury occurring anywhere in the world, 24 hours a day.

While a comprehensive disability and life insurance plan provides financial protection against most of the hardships resulting from a serious injury or death, often other costs are not accounted for until too late, such as physiotherapy, home alterations, or extra help in the home. Having additional funds available through an AD&D policy can really help; AD&D coverage covers costs such as grief counseling, day-care support, and home alternations, to name a few.

With the Doctors of BC plan, you can decide on coverage amounts in units of $100 000 up to $1 million. Coverage is available as a member-only plan, or for you and your family together. Even more appealing with this coverage is that proof of good health is not required when applying. Guaranteed acceptance for all members under the age of 69 makes AD&D a desirable alternative for busy individuals and family members who can’t qualify for other coverage. It’s also an effective way to enhance an existing comprehensive disability and life-insurance portfolio without adding significant costs.

When it comes to AD&D claims, the benefit amount is determined by the type of permanent injury sustained. A list of benefit amounts for different injuries, and further information on the plan and how to apply, is available at www.doctorsofbc.ca. You can also contact a Doctors of BC insurance administrator at 604 638-2882 or 604 638-2865, or toll free at 1 800 665-2262 (ext. 2882 or 2865), or at insurance@doctorsofbc.ca.
—Renee Brickner, BSc, EMBA
Doctors of BC Insurance Advisor