Key takeaways
- Standard term plans cover accidental death; a rider can add extra payout.
- Suicide (first year), intoxication and undeclared hazardous activities are typical exclusions.
- Honest disclosure keeps every claim safe.
What's covered
A standard term policy pays the full sum assured on death from natural causes, illness or accident. An optional accidental death benefit rider pays an extra amount on top if death is accidental — useful if you ride or travel a lot.
Not sure how this applies to you? A free call with Vijay Singh Rana sorts it out in minutes — book here.
Common exclusions
- Death by suicide, usually within the first year
- Death while under the influence of alcohol or drugs
- Participation in hazardous activities not declared
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Vijay Singh Rana — HDFC Financial Advisor · IRDAI & AMFI Registered
Frequently asked questions
Do I need the accidental rider?
Only if you want extra payout specifically for accidental death. An advisor helps you decide.
Is illness covered?
Yes, death from illness is covered by a standard term plan.