What is the basic purpose of accidental death benefit rider

[samkapoor77]

I have a query related to accidental death benefit rider. Will the nominee in this case get more money if the death of insured has occurred due to accident? What is the basic purpose of taking this rider?

[samkapoor77]

In case the death of the insured has occurred due to accident which is as per rider’s terms and conditions then apart from regular sum assured the nominee will also get sum assured for rider. However, at a personal level I feel that taking an additional accidental policy from general insurers is a better option than opting for accidental death benefit rider.

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