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All You Need to Know About Accidental Death Rider in Term Insurance

Published On Aug 14, 2021

Riders in term insurance are optional benefits that you can include in your term insurance policy, over and above basic insurance coverage. These riders increase your premium amount but also offer you extended coverage benefits in case of unforeseen circumstances such as critical illness, accident, permanent and partial disability, etc. One such rider is an accidental death rider.  

What Is An Accidental Death Rider?

Accidental death rider is a popular rider in term insurance that is offered by most insurance companies offering term insurance plans. The rider offers the policyholder an extra amount in a lump sum or monthly income whichever the policyholder finds more beneficial for his/her dependents. This rider is most suitable for people who are in a profession that involves great risk or the one that involves too much driving. They can make their term insurance policy more comprehensive by adding accidental death benefit riders to their plan by paying an extra premium for the same.  

The deciding factors for premium for accidental death benefit solely depend on the total sum assured. Another thing to note is that these riders usually end when the insured individual reaches the age of 70 years. 

What is An Accidental Death?

If the life assured sustains any bodily injury, the sole reason of which is an accident caused by outward, violent and visible means and the injury, within 180 days after the accident, solely, directly, and independently results in the death of the life assured, then the death will be considered as an accidental death. 

Exclusions Under Accidental Death Rider

An accidental death benefit generally covers death arising due to an accident. It usually does not cover incidents such as hazardous hobbies which the insured is usually involved in, acts of war and death caused due to illegal activities, etc. In case it is a fatal accident, then the cover will be offered only if the death occurs within the specific period as mentioned in the policy. Other exclusions for an accidental death rider include self-inflicted injury including suicide, death due to alcohol overdose, adventure sports like river rafting, scuba diving, bungee jumping, during employment in armed forces, or involvement in an aviation or aeronautical operations-related accident. 


After reading about the benefits that come along with the accidental death rider, you must be sure of its utility. And since the cost of adding an accidental death rider in a term insurance policy is nominal, therefore it makes sense to include this add-on to your term insurance plan. It is better to be safe than sorry, and buying this rider helps you make provision for your family in case of unforeseen and unfortunate circumstances.

Also Read: 

Term Insurance Riders And Their Benefits

Types of Illness Covered Under Critical Illness Rider

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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