Life cover & benefits
Does term insurance cover accidental death?
Yes. A term plan pays its sum assured if you die during the term, whether from illness or an accident, subject to the policy’s exclusions. An accidental death benefit rider, or a separate personal accident policy, can pay an extra amount if death is caused by an accident.
In short
- Term pays on death from illness or accident.
- An accidental death rider pays extra.
- A personal accident policy can also pay, in full.
- Check the exclusions in the wording.
What does a term plan pay after an accident?
Its sum assured, as for any other death during the term, unless an exclusion in the policy applies. Read the exclusions, for example for hazardous activities.
What does an accidental death rider add?
An extra amount if death is caused by an accident. It is added to the term plan for a small premium. A separate personal accident policy works similarly, and can also pay for disability, which a term plan doesn’t.
What counts as an accident?
An event that is sudden, violent, visible and external. Our page on what counts as an accident explains the test.
Frequently asked questions
Does term insurance cover accidental death?
Yes, it pays the sum assured on death from an accident, subject to exclusions.
What is an accidental death benefit rider?
An add-on that pays an extra amount if death is caused by an accident.
Does term insurance cover disability?
Not by itself; a disability rider or a personal accident policy is needed.
What happens when you talk to us
A 20-minute video call with a Growth Advisor. No obligation, and no quote pushed. It opens with a five-minute video from our founder on how the benefits stack works and why Ethika exists; the rest is your questions. You’ll leave with an honest read on your current cover and claims experience, and a straight answer on whether we can genuinely help, even if you never become a client.
20 minutes with a Growth Advisor. No obligation.
A note on this page. Everything here is general information, not insurance, legal, financial or tax advice, and nothing is an offer. No insurer or product is named or recommended. What any policy covers depends on its own wording and schedule. For advice about your situation, talk to us.