Accidental Death Insurance for Medical Procedures (ADIM) is an
insurance product designed to fill a gap in traditional insurance policies.
Sign up on-demand & no medical exam is required.
We’ve designed ADIM to be cost-effective, simple, and accessible to as many people as possible.

It works whether you do or don’t currently have existing life or AD&D coverage; many accidental death policies do not cover death during surgery. Learn more about how ADIM compares to traditional insurance coverage.
ADIM is insurance coverage for patients undergoing non-emergent, scheduled surgeries. It covers the time a patient is in the hospital for surgery - from admission to discharge. This is the time during which patients are most vulnerable to life-threatening complications. If a death occurs during the covered surgery, a benefit up to $100,000 is provided to the listed beneficiary.
ADIM is a simple way to get accidental death coverage for elective surgeries. Get a quote in minutes and receive your policy in less than 48 hours

How it works

Answer simple questions

No medical exam required


One time premium

review & sign

No waiting period or phone calls

What's Covered?

ADIM covers hundreds of elective procedures, accounting for the majority of procedures performed annually. These include:
  • C-section
  • Coronary bypass
  • Cardiac valve procedures
  • Spinal fusions
  • Joint replacements
  • Weight management procedures
  • Abdominal and reproductive procedures
  • Laparoscopic procedures
Click here for a more complete list.

Who can sign up?

We currently provide coverage to patients:
  • In Ontario, Canada
  • Aged 20-69 on the date of their procedure
  • Whose surgeries are non-emergent/planned*
At this time, we do not cover:
  • Transplant procedures
  • Emergency surgery

* to receive ADIM coverage from Samos, we require you to contact us at least 48 hours before the planned date of your procedure
OFFER STANDOUT COVERAGE: If you are a broker or employer looking to top up a group
benefits package with stand out coverage, here to learn more