Road accidents in India are sadly very common — poor traffic rules, bad roads, low lighting, and reckless driving mean there’s a fatal accident every few minutes.
If this worries you, you can choose accidental death cover with your term insurance. This means if you die in an accident, your family will get extra money in addition to the main term insurance amount.
For example, if your term cover is ₹2 Crore and you also have ₹1 Crore accidental cover, your family could get ₹3 Crore in total.
It only costs a little more in premium but gives your loved ones extra safety. Just remember — don’t reduce your main term cover because of this. It’s meant to add protection, not replace it.
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Term Insurance 101