What is considered dismemberment in a death and dismemberment insurance policy?

Most important: READ YOUR POLICY!!!!!!!! Most policys prorate based on the severity of the dismemberment; i.e. If you policy is for 100,000 and you lost a finger, you may get 250.00 (or 2500.00 for a thumb), but you would only get the whole 100,000.00 for loss of either both arms, or both legs. The bad thing is, after the policy pays, it usually cancels. In other Words, if you pay 20 dollars a month for 10 years and end up getting paid for the loss of a finger (250.00) the policy is now void. So again: READ YOUR POLICY!!!!!