Does Accidental Death Cover Surgery?

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Does Accidental Death Cover Surgery

Accidental death insurance typically does not cover deaths resulting from surgery. This type of insurance is designed to provide benefits in the case of death caused by a sudden, unforeseen, or external event, such as an accident.

Deaths resulting from medical procedures, like surgery, are generally not considered accidental and are thus not covered under most accidental death policies.

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Key Points About Accidental Death Insurance and Surgery

  1. Definition of Accidental Death: It generally includes events that are sudden, unforeseen, and caused by an external factor.
  2. Exclusions: Most policies exclude deaths due to medical procedures, illness, natural causes, and surgery.
  3. Surgery-Related Deaths: If death occurs as a complication of surgery, it is usually not covered because it’s not considered an accident.
  4. Policy Terms: Always check the specific terms and conditions of your insurance policy for detailed coverage information.

Understanding Insurance Coverage

  • Read the Fine Print: Policy documents provide detailed information on what is and isn’t covered.
  • Consult with Insurance Agents: They can clarify doubts and provide guidance on policy details.
  • Consider Additional Coverage: If you want coverage for risks associated with surgeries, look into other types of insurance like life or health insurance.


In summary, accidental death insurance does not cover deaths resulting from surgery. It’s essential to understand the specific terms of your insurance policy and consider additional coverage if needed. Contact us today for a free quote.

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Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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