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In the journey of life, you always walk an extra mile to provide better future to your family. However, this journey of life is full of uncertainties; you never know how the future will unveil. In today’s scenarios, with the increase in the number of instances of accidents, it is imperative to shield your family’s future.

Life is riddled with events that are beyond our control. Also, we have responsibilities towards our family that we want to fulfil. And, then if anything happens to the breadwinner, the family’s finances come under tremendous stress. The family gets compromised, both financially and emotionally during these hard times. No one can stop the inevitable, but you can always secure your family against financial crises. Aditya Birla Sun Life Insurance Accidental Death Benefit Plus rider covers the insured person’s family financially in a worst case scenario.​

Eligibility Criteria

Entry Age 18 – 65 years Maximum age at the end of rider term is 80 years
Rider Term Same as that of the base plan or till the attained age 80 of the lifeinsured, whichever is earlier
• Minimum: 5 years • Maximum: 62 years
Premium Paying Term Same as base plan
For Limited Pay - • Minimum: 5 years • Maximum: 61 years
For Regular Pay - • Minimum: 5 years • Maximum: 62 years
Pay Mode Same as base plan (Single Pay | Limited Pay | Regular Pay)
Rider Sum Assured • Minimum: Rs.100,000 • Maximum: Rs.20,000,000
subject to maximum of 100% sum assured of the base plan

We will offer a discount of 5.00% in rider premium p.a. (Limited | Regular Pay) & 2.00% in rider premium (Single Pay), to customers who buy directly from our website, if similar discount is offered in the base policy.


ABSLI Accidental Death Benefit Rider Plus covers the following insured events.

Death Benefit

In the unfortunate event of death of the life insured due to an Accident within 180 days of occurrence of the accident, we will pay 100% of the rider sum assured to the nominee only if this rider cover is inforce as on the date of accident including the grace period.

Additionally, ABSLI will refund the premiums collected aſter the date of Accident till date of death, with interest as declared by us from time to time, along with death benefit payable.

Once the rider sum assured is paid, the rider shall terminate and no further rider premiums will be payable.

Maturity Benefit

Not applicable

Reduced Paid Up:

  • For Limited Pay - If the due premium is not received before the end of grace period and if the base plan is eligible for a Reduced Paid Up Benefit, the rider will not lapse but also continue on a Reduced Paid-Up basis. Under Reduced Paid-Up, your rider sum assured shall be reduced in proportion to the premiums paid to total premiums payable during the rider term. If the base plan is not eligible for a RPU benefit, the rider cover shall cease.
  • For Regular Pay - The rider is not eligible for a Reduced Paid-Up benefit and the rider benefits will cease when due premiums are not paid within the grace period.
The rider can be revived as per the rules of the base plan.

This rider is underwritten by Aditya Birla Sun Life Insurance Company Limited (ABSLI). This single pager contains only the salient features of the rider. Tax benefits are subject to changes in the tax laws. For further details please refer to the rider policy contract or call your ABSLI Insurance Advisor or visit our website and see how we can help in making your dreams come true. For more details on risk factors, terms and conditions, please read the rider sales brochure carefully before concluding the sale. Aditya Birla Sun Life Insurance Company Limited (​Formerly Birla Sun Life Insurance Company Limited) Registered Office: One Indiabulls Centre, Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai – 400013. IRDAI reg no.109 CIN: U99999MH2000PLC128110 ADV/12/19-20/1376 VER1/DEC/2019
UIN: 109C023V02