Accidental death and dismemberment (AD&D) insurance built especially for dental hygienists

Nobody wants to have an accident, especially a serious one but an accident can happen and could affect your family's income. AD&D will help with finances while you or your family cope with a life-changing event.

Why choose CDHA AD&D insurance?

• Coverage designed for dental hygienists, covering injuries specific to your profession
• Choice of single and family coverage
• Potential work re-entry benefit following an accident
• CDHA offers group rates

You're eligible if you are:

• A CDHA member in good standing
• Under age 65
• A Canadian resident

Meet the criteria? You can get AD&D insurance for:

• You

• Family (you + spouse + all dependant children)

How it works:

• A lump-sum payment is paid if you or your covered family member suffers a serious injury or dies due to an accident.
• The amount is a percentage of the AD&D coverage you’ve selected, based on the loss suffered. More details are in the plan brochure, but the table of losses below shows the percentages we use to determine the payment.

Here’s how family AD&D insurance works:

• No dependant children? Your spouse will be insured for 50% of your benefit amount.
• Spouse and dependant children? Your spouse will be insured for 40% of your benefit and each dependant child, regardless of the number, will be insured for 10% of your benefit, to a maximum of $50,000 per child.
• Dependant children, no spouse? Each dependant child will be insured for 20% of your benefit up to a maximum of $50,000 per child.

How much coverage can you apply for?

• $30,000 to $500,000, in units of $10,000
• If you buy AD&D insurance as a stand-alone product, there are coverage limits. Coverage can’t be over $200,000, or twice the amount you’ve chosen for your term life insurance coverage (whichever is greater).

Get a quick online quote

To help you determine your monthly premium, use our easy-to-use free online quote tool.

Exclusions:

• Declared or undeclared war, insurrection or rebellion
• Voluntary participation in a riot or act of civil disobedience
• Intentionally self-inflicted injury or suicide, regardless of whether the insured person has a mental illness or intends or understands the consequences of their actions.
• Committing or attempting to commit a criminal offence
• The insured person riding as a passenger in, alighting from, or boarding an aircraft. They could be operating, learning to operate, or serving as a member of a crew of an aircraft. They could be crop dusting, crop spraying, seeding, sky-writing. It also includes racing, testing exploration or any other purpose except transportation.
• Full-time service in the armed forces of any country

More details are in the plan brochure.