Does vanilla term insurance plans cover Accidental death?
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For example, I'm looking at HDFC Click 2 Protect Super 1cr policy for term insurance and it has option of accidental rider for additional 1cr for accidental deaths. But if I don't opt for the additional rider, does the default vanilla cover of 1cr include additional deaths?
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https://www.desidime.com/comments/permalink/10336910
"no matter type of death" - doesn't this include accidental death?
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https://www.desidime.com/comments/permalink/10338311
If he dies due to accident he will get 1cr
If he has opted for accident death rider
He will get double amount
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Usually it doesn't unless the policy says so, rest assured full sum assured is paid no matter type of death. If you want to get more accident death cover then you would need to add add-on