Beshak Insurance dictionary

search icon
Accidental Death Benefit Rider
Term Life Insurance

It is an additional cover for accidental death that can be opted on payment of additional premium. The insurer pays an additional payout, many times equal to the base sum assured in case of accidental death.

The conditions for the cover:

  1. The definition of an accident is sudden, unforeseen, and involuntary events caused by external, violent, visible means. (SUVIVE)
  2. If the person covered under the plan is involved in an accident which results in death within 180 days of the date of the accident.

This rider usually can be opted on the policy anniversary on the following conditions:

  1. The policy is in still in its premium payment term
  2. The policy term remaining is more than 5 years.
  3. The person covered is less than 70 years old.


  1. Self-injury
  2. Suicide
  3. Death under the influence of alcohol, drugs
  4. Air accident where the person covered is engaged in professional activities/duties on board
  5. Taking part in riots, rebellion
  6. Taking part in adventure sports including hunting, mountaineering, paragliding, etc.
  7. A person covered, breaching law with criminal intent.
  8. Employment in the armed forces of any country at war.
  9. Police duty

Discover the best tips for insurance every week!

Beshak is not regulated by the Insurance Regulatory and Development Authority of India (IRDAI) and does not have any alliance or association with any Insurance business.
© Copyright 2022 Beshak Solutions Pvt. Ltd. All Rights Reserved.

Disclaimer: The content on the website is purely for information purposes for the public at large, and does not constitute personal financial advice for a specific individual reader.
If you are reading this, it means you love reading the fine print. Why not get paid for what you love doing - Join us by writing to now 🙂