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Features of HDFC Accidental Disability Rider

Updated On Jul 03, 2021

An individual’s earning potential is extremely valuable, especially if they are the sole earning member. This is why it is important to safeguard these interests against all events. An accidental disability can be worse if your financial interests are compromised. With the HDFC Accidental Disability Rider, you can make sure you and your family stay financially stable and secure.

HDFC Accidental Disability Rider is an Income Benefit Rider. A regular instalment is paid out to sustain the financial condition of your family. For more on the HDFC Accidental Disability Rider, read on.

Eligibility for the HDFC Accidental Disability Rider

The following are the conditions to be met if you want to purchase the HDFC Accidental Disability Rider.



Entry Age

Minimum- 18 years

Maximum- 75 years

Maturity Age

75 years

Rider Term

Minimum- 5 years

Maximum- Same as a base insurance policy

Minimum Sum Assured

1 Lakh INR

Premium Payment Term

Less than or equal to that of the base insurance plan

Premium Payment Options

Single Pay, Limited Pay, Regular Pay

Benefits Provided by the HDFC Accidental Disability Rider

The following are the details of the benefits available under the HDFC Accidental Disability Rider. They are available in addition to the ones provided by the base insurance plan. 

  • Income Benefit

The income benefit, which is paid out if the policyholder suffers from total and permanent disability, comprises a regular monthly income payout. It is equal to 1% of the Sum Assured and is fixed for ten years. The total benefit must be less than or equal to the Sum Assured of the base insurance plan. 

  • Death Benefit

There are no Death Benefits paid out by this rider. The function of this rider is only to provide financial stability in case of accidental disability. However, if the policyholder dies while receiving the income payouts, their nominees receive the withstanding benefits.

  • Maturity Benefits

There are no maturity benefits available with this rider.


The HDFC Accidental Disability Rider, therefore, provides a sustainable solution to the complications that can arise due to an accidental disability. It is affordable and makes your base insurance plan more useful.

Also read 

4 Most Preferred Life Insurance Rider

How To Modify Life Insurance With Riders?

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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