AD&D全称为“Accidental Death and Dismemberment Insurance”，可翻译为意外死亡及伤残险。AD&D是在accidental death或者accidental injury的情况下赔偿。意外死亡及伤残险保险通常作为附加条款加入到人寿保险单中。

其中，Accidental Death （意外死亡）包括特殊情况，如暴露在自然环境中、交通事故、他杀、坠落、溺水和涉及重型设备的事故。

其中，Dismemberment包括身体部分或功能(如肢体、语言、视力和听力)的丧失或丧失使用能力。

意外死亡及伤残险的承保范围通常有很大的限制，所以一定要阅读细则。如果被保险人因自然原因死亡，如癌症或心脏病，AD&D不予支付。被称为双重赔偿（double indemnity），AD&D可能支付与普通保险面值相等或数倍(通常是两倍)的保险金。保费基于购买的保险金额，而意外死亡及伤残险通常由从事身体伤害高风险职业的工人购买。大多数保单都会定期更新并修订条款。

相较于传统人寿保险，AD&D的优点和缺点：

优点：

1、提供因意外死亡或失去肢体而造成的经济援助

2、弥补最初损失以外的收入损失

3、成本低于传统的人寿保险

缺点：

1、只在某些事件发生中支付费用

2、被保险人终止承保时，由保荐人承保

参考双语例句：

Because the loss of income will carry forward, AD&D policies provide a death benefit in addition to the death benefit offered through the traditional life insurance on the insured. The death benefit amount is usually equal to or some multiple of the traditional policy's death benefit amount. This extra benefit is known as double indemnity as the benefit usually doubles with this added feature.

由于收入损失会结转，AD&D保单除了传统人寿保险为被保险人提供的死亡抚恤金外，还提供死亡抚恤金。死亡抚恤金金额通常等于或数倍于传统保单的死亡抚恤金金额。这种额外的好处被称为双倍补偿，因为这种额外的好处通常会增加一倍。

Pending the full implementation of the global field support strategy, improved delivery of field support services depends, in large measure, on the quality of the global workforce of the Secretariat, its capacity to carry out the tasks required, and continual efforts by the Secretariat to improve its operating practices and procedures, in particular in the area of processing death and disability compensation claims, as described in section VII of the report.

在全面实施全球外勤支助战略之前，外勤支助服务的改进在很大程度上取决于秘书处全球工作人员队伍的质量，其执行所需任务的能力，以及秘书处为改善业务做法和程序特别是处理死亡和 伤残偿金索赔领域的做法和程序而不断做出的努力，详情载于本报告第七节。

He reiterated the Group’s understanding that, under paragraph 6 of the draft resolution on cross-cutting issues (A/C.5/64/L.57), death and disability compensation would be awarded to all uniformed personnel for loss of life or injury in the service of the United Nations during the entire period of their deployment, except in cases of wilful neglect or self-inflicted injury, as provided for in the rules.

他重申该集团了解到，根据共有问题的决议草案(A/C.5/64/L.57)第6段，所有军警人员在整个部署期间如因担任联合国公务而死亡或受伤，将按照这些规则的规定，获得死亡和伤残偿金，但有故意疏忽或自己造成伤害的情况者除外。