Welcome to the Accident & Health Insurance group of SmartGuy.com. Feel free to interact with other professionals from across the world. You can find professionals, find deals on services, find professionals who might barter, or simple post questions, comments, or suggestions. In insurance, accidental death and dismemberment is a policy that pays benefits to the beneficiary if the cause of death is an accident. Health insurance covers the risk of a person incurring medical expenses due to health issues.