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Accidental death rider in Term life insurance

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01 May, 2023 by  Sandip B

If I am already buying a term insurance with a good enough cover that might fulfill my needs. I have already taken WOP & Critical illness riders. I do no understand the logic behind Accidental death rider.


  1. Do you actually need AD rider if you already have a good enough cover
  2. What are the cases where one should but AD rider?
  3. Who should/shouldn't buy AD rider?
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Term Life Insurance
Accident Insurance

1 Answer

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12 May, 2023
CEO, Insurance Samadhan

Dear Sandip

Interesting question .

Probability of death by accident is 3 time higher and probability of accidental disability is 7 time higher .

Hence , the most important risk is disability which should be covered and ypu do not have it .

If you are adequately covered for death then you don't need additional cover but you need disability cover .

1. You don't need accidental cover

2. You should buy accidental cover if you are in accidental prone area or circumstances.

3. Every one should buy accidental cover .

Best wishes

Shailesh

Insurance Samadhan


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