Should you go for accidental death insurance despite having term insurance? Check this before deciding - The Economic Times

Term insurance offers protection, but an accidental death rider provides additional payout. This rider is an optional add-on, not a replacement for base coverage. It specifically covers fatalities directly resulting from accidents like road or air mishaps. Individuals in high-risk occupations or frequent travelers should consider this rider. However, increasing base term cover is prioritized if existing life insurance is insufficient.

Raccontata daeconomictimes.indiatimes.com