HDFC Life Accidental Death Disability and Dismemberment Benefit Rider

This rider is an easy, inexpensive way of providing additional financial security for your family in the event of such an adversity.

It extends the domain of Accidental death benefit rider by including the provision of benefit pay out even in the case of accident that lead to dismemberment or disability.

An additional lump sum amount is paid in case of accidental disability, dismemberment or death.

It can be attached to select HDFC Life Insurance traditional plans without any need of buying a new policy.

The rider provides for income tax rebate under section 80D and for benefit amount under section 10(10D).

This Rider shall not cover the death, disability or dismemberment of the Life Assured being caused directly or indirectly by any of the following:

• Any disease or infection
• Intentional self-inflicted injury, suicide or attempted suicide, while sane or insane
  
• Life Assured being under the influence of alcohol, narcotics, psychotropic substances or drugs unless taken in accordance with the lawful directions and prescription of a qualified and registered medical practitioner
• War (declared or undeclared), war-like operations, invasion, civil commotion, riots or revolution
• Participation in any flying activity, except as a bonafide passenger in a commercially licensed aircraft
• Participation in a criminal or unlawful act
• Any injury sustained before the Effective Date of this Rider
• Participation in hazardous sports, hobbies or pastimes including (but not limited to) racing, parachuting, mountaineering etc
  
• Atomic energy explosion or radiation of any kind