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Term Insurance With Accidental Disability Rider

Updated On Aug 06, 2021

Accidental Disability Rider is an optional benefit that may be obtained by paying an additional premium. The rider is an add-on to standard insurance that provides additional benefits in the event of accidental death or incapacity as a result of an accident. Accidental death refers to an untimely death, such as a car accident. This rider is only available as part of a basic package and cannot be purchased independently. It is a lifelong handicap caused by an injury that occurs within 6 months of the date of the accident.

Term Insurance With Accidental Disability Rider

A lot of term insurance companies provide the benefit of Accidental Disability Rider in their plans. We have shortlisted the best riders for you.

  • Max Life Comprehensive Accident Benefit Rider

This rider is available as a supplement to the Max Life Online Term Plan. It provides policyholders with additional coverage in the event of accidental death or incapacity caused by an accident. The benefits of this rider are in addition to the benefits of the Term Plan. This rider's minimum entry age is 18 years, and his or her maximum entry age is 60 years. When the policyholder reaches the age of 75, the rider expires. The rider's term is typically between 10 and 35 years. It will, however, always be equal to or less than the period of the base plan.

  • HDFC Life Benefit Accidental Disability Rider

Disability does not imply that you should forego providing for your family. The HDFC Life Accidental Disability rider provides an assured monthly income in the case of an accidental disability. In the case of a Total Permanent Disability as a result of a mishap or accident, this rider will pay a monthly income equivalent to one percent of the guaranteed corpus insurance for a period of five to ten years.

  • Exide Accidental Disability Benefit Rider

Exide Life gives you an Accidental Disability Rider, which facilitates financial security to the insured in case of accident-related adversity. This rider can be Don't make your financial obligations a burden on your family. Furthermore, you will be compensated with a lump-sum amount (sum assured on the rider) in addition to your current Exide Life Insurance policies (if they are qualified). If the policyholder dies in an accident, the full sum promised is paid to the policyholder's nominee. If the policyholder is rendered incapacitated as a result of the accident, a percentage of the total insured is paid (as specified in the policy). This rider's minimum entry age is 18 years old, and his or her maximum age is 65 years old.

  • LIC Jeevan Lakshya Accidental Disability Rider

The LIC Jeevan Lakshya plan has a rider for accidental death and disability.. If you hold a LIC Jeevan Lakshya policy, you can add this rider at any moment throughout the policy's premium-paying term. In the event of the policyholder's death as a result of an accident, his nominee will receive the additional accident benefit sum assured. This amount exceeds the policy's base sum assured. In the event of permanent incapacity, the insured will receive the accident benefit sum assured in equal monthly instalments over a ten-year period. Furthermore, the rider's future premiums will be waived.


Accidents are inevitable and you don’t know when you might meet one. However, you may prepare yourself and your family for the worst by purchasing an accidental death and disability rider. Choose the best accidental disability rider for you and secure your future.

Also Read: 

What Are The Advantages of Purchasing A Critical Illness Rider?

Benefits of Riders in Retirement Insurance

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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