^mJ - ~r : n[a^mfmE§ PART – B: DEFINITIONS
Bg AZwd¥{X²Y XñVmdoO ‘| à¶wº$ nm[a^m{fH$ eãX/eãXm| H$s n[a^mfmE§ {ZåZ
àH$ma h¢:
1. XþK©Q>Zm EH$ AMmZH$, AZno{jV, Am¡a AZ¡pÀN>H$ KQ>Zm h¡ Omo ~mhar,
qhgH$ Am¡a Ñí¶‘mZ gmYZm| Ûmam K{Q>V hmoVr h¡&
2. Am¶w nm°{bgr Ho$ àma§^ hmoZo Ho$ g‘¶ ~r{‘V ì¶{º$ Ho$ {ZH$Q>V‘ OÝ‘
{Xdg na CgH$s Am¶w h¡& bo{H$Z 18 df© H$s Am¶w Ho$ {bE ¶h nyU© df©
‘| hmoJr&
3. ‘yb nm°{bgr H$m gå~§Y Cg nm°{bgr go h¡, {OgHo$ gmW ¶h AZwd¥{Õ
XñVmdoµO g§b¾ h¡&
4. EbAmB©gr H$s XþK©Q>ZmË‘H$ ‘¥Ë¶w VWm An§JVm {hVbm^ AZwd¥{Õ àma§^
hmoZo H$s VmarI Bg AZwd¥{Õ H$s àma§^-VmarI h¡&
5. AZwd¥{Õ Ho$ {bE OmopI‘ àma§^ hmoZo H$s VmarI dh VmarI h¡, {Og na
{ZJ‘, ‘yb nm°{bgr Ho$ gmW gmW Bg AZwd¥{Õ H$s OmopI‘ (gwajm) Ho$
{bE OmopI‘ H$mo ñdrH¥$V H$aVm h¡, O¡gm{H$ Bg AZwd¥{Õ H$s AZwgyMr ‘|
Xem©¶m J¶m h¡&
6. ~r{‘V ì¶{º$ dh ì¶{º$ h¡ {OgHo$ OrdZ na Bg AZwd¥{Õ Ho$ gmW ‘yb
nm°{bgr Ho$ {bE ~r‘m gwajm ñdrH$ma H$s JB© h¡ &
7. gr{‘V àr{‘¶‘ ^wJVmZ nm°{bgr H$m AW© h¡ EH$b àr{‘¶‘ nm°{bgr Ho$
Abmdm Zm°Z-qbŠS> ~r‘m nm°{bgr, Ohm§ nm°{bgr Ad{Y H$s VwbZm ‘|
àr{‘¶‘ ^wJVmZ H$s Ad{Y gr{‘V h¡, Am¡a àr{‘¶‘ dm{f©H$, N>‘mhr,
Ì¡‘m{gH$, ‘m{gH$ ¶m àm{YH$aU Ûmam AZw‘mo{XV {H$gr ^r {Z¶{‘V
A§Vamb na Xo¶ h¢&
8. nm°{bgr YmaH$ Bg nm°{bgr H$m H$mZyZr ñdm‘r h¡ &
9. àr{‘¶‘ ^wJVmZ Ad{Y H$m AW© dfm] ‘| dh Ad{Y h¡, {OgHo$ Xm¡amZ
àmo{‘¶‘ ^wJVmZ H$aZm h¡
10. àñVmdH$ dh ì¶{º$ h¡ Omo Bg AZwd¥{Õ Ho$ gmW ‘yb nm°{bgr Ho$ {bE
OrdZ ~r‘m àñVm{dV H$aVm h¡&
11. {Z¶{‘V àr{‘¶‘ nm°{bgr H$m AW© h¡ Zm°Z -qbŠS> ~r‘m nm°{bgr, Ohm§
àr{‘¶‘ ^wJVmZ nm°{bgr H$s Ad{Y ¶m nm°{bgr H$s àr{‘¶‘ ^wJVmZ Ad{Y
Ho$ Xm¡amZ Xo¶ hmoVm h¡, Am¡a àr{‘¶‘ dm{f©H$, AY©-dm{f©H$, Ì¡‘m{gH$,
‘m{gH$ ¶m àm{YH$aU Ûmam AZw‘mo{XV {H$gr ^r {Z¶{‘V A§Vamb na Xo¶
hmoVo h¢&
12. AZwd¥{Õ dh A{V[aº$ gwajm h¡ {OgH$m M¶Z ‘yb ¶moOZm Ho$ gmW {H$¶m
Om gH$Vm h¡&
13. AZwd¥{Õ Ad{Y H$m AW© h¡, dfm] ‘|, nm°{bgrYmaH$ Ûmam MwZr JB© Am¡a
AZwgyMr ‘| Cëbo{IV Ad{Y Omo EbAmB©gr H$s XþK©Q>ZmË‘H$ ‘¥Ë¶w VWm
An§JVm {hVbm^ AZwd¥{Õ Ho$ ewê$ hmoZo H$s VmarI go g‘m{á H$s VmarI
VH$ H$s Ad{Y h¡ &
14. AZwgyMr Bg AZwd¥{Õ XñVmdoµO H$m {hñgm h¡ Omo AmnH$s AZwd¥{Õ Ho$
{d{eï> {ddaU XoVm h¡&
15. EH$b àr{‘¶‘ nm°{bgr H$m ‘Vb~ Zm°Z-qbŠS> ~r‘m nm°{bgr h¡, Ohm§
nm°{bgr Ho$ ewê$ hmoZo na àr{‘¶‘ H$m ^wJVmZ EH$‘wíV {H$¶m OmVm h¡&
16. XþKQ© >ZmË‘H$ ‘¥Ë¶w VWm An§JVm {hVbm^ AZwd{¥ Õ àr{‘¶‘ nm°{bgrYmaH$
Ûmam MwZo JE A{V[aº$ gwajm / bm^ , ¶{X H$moB© hm| , CZHo$ {bE nm°{bgr
YmaH$ Ûmam Xo¶ dh àr{‘¶‘ h¢, Omo ‘yb nm°{bgr Ho$ àr{‘¶‘ Ho$ gmW Xo¶ h¡&
17. XþK©Q>Zm {hVbm^ AZwd¥{Õ ~r‘m am{e AZwd¥{Õ boZo Ho$ g‘¶ nm°{bgrYmaH$
Ûmam MwZr JB© am{e h¡, Omo AZwgyMr ‘¢ {d{Z{X©ï> h¡.
{Q>ßnUr: Bg g§b½ZH$ ‘| H$ht ^r Cn¶moJ {H$E JE Aݶ eãXm| / eãXm| H$s n[a^mfm
Ho$ {bE, ‘yb nm°{bgr ‘| Xr JB© n[a^mfmAm| H$mo g§X{^©V {H$¶m Om gH$Vm
h¡&
^mJ - gr : {hVbm^
1. EH$ Mmby AZwd¥{Õ Ho$ A§VJ©V {ZåZ{bpIV {hVbm^ Xo¶ h¢:
AJa ~r{‘V ì¶{º$, O~ ¶h nm°{bgr gånyU© ~r‘m am{e Ho$ {bE Mmby
hmo, V~ {H$gr ^r g‘¶ XþK©Q>Zm go gå~Õ hmoVm/hmoVr h¡,Am¡a g‘J«V…
Eogr MmoQ> hmoZo Ho$ 180 {XZ Ho$ A§Xa , à˶ú¶ ê$n go Am¡a g^r Aݶ
Lic’s Accidental Death And Disability Benefit Rider Page 2 of 8
The definitions of terms/words used in this Rider Document
are as under:
1. Accident is a sudden, unforeseen and involuntary event
caused by external, violent and visible means.
2. Age is the age nearer birthday of the Life Assured at the
time of commencement of this Rider except for age 18
yrs for which the age is in completed year.
3. Base Policy refers to the Policy to which this Rider
Document is attached.
4. Date of commencement of LIC’s Accidental Death and
Disability Benefit Rider is the start date of this Rider.
5. Date of commencement of risk for Rider is the date on
which the Corporation accepts the risk for insurance
(cover) for this Rider as evidenced in the Schedule of
the Rider.
6. Life Assured is the person on whose life the insurance
cover has been accepted for the Base Policy along with
this Rider.
7. Limited Premium Payment Policy means the non-
linked insurance policy other than single premium
policy, where the premium payment period is limited
compared to the policy term, and premium are payable
at regular intervals like yearly, half yearly, quarterly,
monthly or any other intervals as approved by the
Authority.
8. Policyholder is the legal owner of this policy.
9. Premium Paying Term means the period, in years,
during which the premium is payable.
10. Proposer is a person who proposes the life insurance
proposal for the Base Policy along with this Rider.
11. Regular Premium Policy means non-linked insurance
policy, where the premium payment is throughout the
term of the policy or premium payment term of the
policy, and premiums are payable at regular intervals
like yearly, half-yearly, quarterly, monthly or any other
interval as approved by the Authority.
12. Rider is an additional cover which can be opted for
along with Base Policy.
13. Rider Term is the period, in years, as chosen by
the policyholder and mentioned in the Schedule,
commencing from the Date of commencement till the
Date of expiry of LIC’s Accidental Death and Disability
Benefit Rider.
14. Schedule is the part of this Rider document that gives
the specific details of your Rider.
15. Single Premium Policy means non-linked insurance
policy, where the premium payment is made in lump
sum at the inception of the policy.
16. Accidental Death and Disability Benefit Rider Premium
is the premium payable by the policyholder along with
the premium under Base Policy towards the cover/
benefit opted under the LIC’s Accidental Death and
Disability Benefit Rider.
17. Accident Benefit Sum Assured means the amount
specified in the Schedule as opted by the Policyholder
at the time of taking the Rider.
Note: For definitions of other terms/words used anywhere
in this endorsement, the definitions given in the Base
Policy may be referred to.
PART–C: BENEFITS
1. The following benefits are payable under an in-force
Rider:
If the Life assured is involved in an accident at any
time when this Rider is in-force, and such injury shall
within 180 days of its occurrence solely, directly and
independently of all other causes result in (a) either
Total and Permanent disability, as hereinafter defined
 H$maUm| go ñdV§Ì hmo H$a (H$) ¶m Vmo ñWm¶r Ed§ gånyU© An§JVm,O¡gm
¶hm± BgHo$ nümV n[a^m{fV h¡, ¶m (I) ~r{‘V ì¶{º$ H$s ‘¥Ë¶w Ho$ ê$n
‘¢ n[a{UV hmoVr h¡ , Am¡a ¶h {ZJ‘ Ho$ g§Vmof VH$ {gÕ hmoVr h¡, Vmo
Bg g§b½ZH$ Ho$ ^mJ gr H$s eV© 4 ‘| Cpëb{IV ""{Z¶‘m| Am¡a eVm]''
Ho$ AZwgma, {ZåZm§{H$V {hVbm^ Xo¶ hm|Jo &
H$) ~r{‘V ì¶{º$ H$s An§JVm H$s pñW{V ‘| :
i) Bg AZwd¥{Õ Ho$ VhV An§JVm {hVbm^ Ho$ ê$n ‘| 10 df© VH$
{dñVm[aV g‘mZ ‘m{gH$ {H$ñVm| ‘| XþK©Q>Zm bm^ ~r‘m am{e Ho$
~am~a am{e H$m ^wJVmZ {H$¶m OmEJm , Am¡a
ii) Bg AZwd¥{Õ Ho$ {bE VWm XþK©Q>Zm {hVbm^ ~r‘m am{e Ho$ ~am~a
‘yb ~r‘m am{e Ho$ {bE ‘yb nm°{bgr Ho$ àr{‘¶‘ ^wJVmZ H$s ‘m’$s&
H$moB© Aݶ AZwd¥{Õ(¶m§), AJa MwZr JB© hmo, CZHo$ àr{‘¶‘ Am¡a
‘yb ~r‘m am{e Ho$ gmW XþK©Q>Zm {hVbm^ ~r‘m am{e Ho$ A§Va (AJa
‘yb ~r‘m am{e Bg AZwd¥{Õ Ho$ A§VJ©V ~r‘m am{e go Á¶mXm hmo Vmo)
H$s am{e go g§X{^©V ‘yb nm°{bgr Ho$ àr{‘¶‘ H$m Hw$b ^wJVmZ Omar
aIZm n‹S>oJm, Vm{H$ ‘yb nm°{bgr VWm AZwd¥{Õ H$s eVm] Am¡a {Z¶‘m|
Ho$ AZwgma g§~§{YV gwajm Omar aho&
Cnamoº$ 10 df© H$s Ad{Y, {OgHo$ Xm¡amZ ‘m{gH$ {H$íV Xo¶ h¡, go nhbo
‘¥Ë¶w ¶m n[an³dVm hmoZo na, An§JVm {hVbm^ {H$íVm| H$mo, Omo Xo¶ Zht
hþE h¡, CZH$m ^wJVmZ EH$‘wíV {H$¶m OmEJm&
An§JVm H$m ge³V$ H$maU EH$ "XþK©Q>Zm' hmoZm Mm{hE Am¡a dh gånyU©
Am¡a ñWm¶r hmoZm Mm{hE& Eogr XþK©Q>ZmË‘H$ MmoQ> Omo g^r Aݶ H$maUm| go
ñdV§Ì hmoH$a Am¡a Eogr XþK©Q>Zm Ho$ 180 {XZm| Ho$ A§Xa Eogr An§JVm ‘|
n[aUV hmo OmVr h¡, {OgHo$ H$maU ~r{‘V ì¶{º$ X¡{ZH$ OrdZe¡br Ho$ {bE
Oê$ar {ZåZ{bpIV H$m¶m] ‘| go (ZrMo n[a^m{fV) H$‘ go H$‘ 4 H$m¶©
ñWm¶r ê$n go {~Zm ¶m§{ÌH$ CnH$aUm|,{deof ¶§Ì,¶m Aݶ ghm¶H$m| Ho$
Cn¶moJ g{hV Aݶ H$moB© ^r ~mhar ghm¶Vm Ho$ {~Zm H$aZo ‘| Ag‘W© h¡,
Vmo Eogr An§JVm H$mo Hw$b VWm gånyU© ‘mZm OmEJm& {ZJ‘ Ûmam àm{YH¥$V
{M{H$Ëgm narjH$ An§JVm H$s g§nyU©Vm à‘m{UV H$aZo Ho$ {bE ~r{‘V
ì¶{º$ H$s Om§M H$a|Jo&
X¡{ZH$ OrdZe¡br H$s J{V{d{Y¶m± Bg àH$ma h¡ :
i. H $n‹S>o nhZZm - g^r Amdí¶H$ dóm|, H¥${Ì‘ A§Jm| ¶m Eogo Aݶ
g{O©H$b CnH$aUm| H$mo nhZZo Am¡a CVmaZo H$s j‘Vm Omo H$s
{M{H$ËgH$s¶ ê$n go Amdí¶H$ h¡&
ii. Y moZm- gm’$-g’$mB© Am¡a ì¶{º$JV ñdÀN>Vm Ho$ n¶m©á ñVa H$mo
~ZmE aIZo Ho$ {bE YmoZo H$s j‘Vm
iii. ^ moOZ H$aZm - ^moOZ V¡¶ma hmoZo Ho$ ~mX Am¡a {‘bZo Ho$ ~mX EH$
ßboQ> ¶m H$Q>moao go ^moOZ H$mo ‘w§h VH$ ñWmZm§V[aV H$aZo H$s j‘Vm&
iv. e
 m¡M H$aZm - em¡M H$aZo ¶m AݶWm ‘b-‘yÌ {dgO©Z H$mo à~§{YV
H$aZo H$s j‘Vm, Vm{H$ g§VmofOZH$ ñVa H$s ì¶{º$JV ñdÀN>Vm H$mo
~ZmE aIm Om gHo$&
v. J {VerbVm - {Zdmg Ho$ gm‘mݶ ñWmZ na g‘Vb gVhm| go EH$
H$‘ao go Xÿgao H$‘ao ‘| Am¡a Ka Ho$ A§Xa OmZo H$s j‘Vm&
vi. ñ WmZm§V[aV hmoZm- EH$ {~ñVa go CR>H$a grYr Hw$gu ¶m ìhrb Mo¶a
na OmZo H$s j‘Vm Am¡a BgHo$ {dnarV&
C n¶w©º$ Ho$ ~mdOyX, XþK©Q>Zm H$s MmoQ>| Omo Aݶ g^r H$maUm| go ñdV§Ì
ê$n go Am¡a Eogr XþK©Q>Zm Ho$ hmoZo go 180 {XZm| Ho$ A§Xa, XmoZm| Am±Im|
H$s nyar Ñ{ï> H$s AnwaUr¶ j{V hmoVr h¢ ¶m H$bmB© go ¶m Cggo D$na
XmoZm| hmWm| Ho$ {dÀN>oXZ ¶m Jwë’$ na ¶m CgHo$ D$na go XmoZm| n¡am| H$m
{dÀN>oXZ, ¶m H$bmB© na ¶m CgHo$ D$na go EH$ hmW H$m Am¡a Jwë’$ na
¶m CgHo$ D$na go EH$ n¡a H$m {dÀN>oXZ ^r Bg Vah H$s An§JVm Ho$
ê$n ‘| ‘mZm OmEJm&
AJa {H$gr ^r g‘¶ ¶h nVm bJVm h¡ {H$ Bg Ymam Ho$ A§VJ©V Xmdm JbV
VarHo$ go XmpIb {H$¶m J¶m , Vmo Eogr pñW{V ‘|, {ZJ‘ H$s gyMZm H$s
{V{W Ho$ ~mX ~H$m¶m hmoZo dmbr g^r àr{‘¶‘m| H$m Xo¶ {V{W¶m| na ^wJVmZ
H$aZm n‹S>oJm Am¡a Eogo g^r àr{‘¶‘ {OZHo$ {bE Ny>Q> H$m Xmdm JbV VarHo$
Lic’s Accidental Death And Disability Benefit Rider Page 3 of 8
or (b) death of the Life assured; and the same is proved
to the satisfaction of the Corporation, the following
benefits shall be payable subject to ‘Conditions and
Restrictions’ mentioned in Condition 4 of Part C of this
Endorsement.
a. In case of Disability to the Life Assured:
(i) Disability Benefit equal to the Accident Benefit Sum
Assured, divided into equal monthly instalments
spread over a period of 10 years, shall be paid and
(ii) the payment of future premiums, if any, shall also
be waived in respect of this Rider and the premium
for Base Policy corresponding to Basic Sum Assured
equal to Accident Benefit Sum Assured. The total
premium including the premium for other Rider(s),
if opted for, and premium under the Base Policy
corresponding to the difference in the Basic Sum
Assured and the Accident Benefit Sum Assured (if
Basic Sum Assured exceeds the Accident Benefit
Sum Assured under this Rider), shall continue to
be paid for continuity of coverage of respective
benefits as per the terms and conditions of the
Base Policy and Rider(s).
On death or maturity before the expiry of the said
period of 10 years, during which monthly instalments
are to be paid, the Disability Benefit instalments, which
have not fallen due, will be paid in lumpsum.
The proximate cause of disability must be an ‘Accident’
and must be total and permanent. Accidental injuries
which independently of all other causes and within 180
days from the happening of such accident result in such
disability due to which life assured is unable to perform
at least 4 (four) of the following Activities of Daily Living
(defined below) permanently without any external help/
support including the use of mechanical equipment,
special devices or other aids, then such disability shall
be treated as Total and Permanent. Medical Examiner
authorized by the Corporation shall examine the life
assured to certify the disability as Total and Permanent.
The Activities of Daily Living are:
i. Dressing - the ability to put on and take off all
necessary garments, artificial limbs or other
surgical appliances that are medically necessary
ii. Washing - the ability to wash to maintain an
adequate level of cleanliness and personal hygiene
iii. Feeding - the ability to transfer food from a plate
or bowl to the mouth once food has been prepared
and made available
iv. Toileting - the ability to use the lavatory or
otherwise manage bowel and bladder functions
so as to maintain a satisfactory level of personal
hygiene
v. Mobility - the ability to move indoors from room
to room on level surfaces at the normal place of
residence
vi. Transferring - the ability to move from a bed to an
upright chair or wheel chair and vice versa
Notwithstanding what is mentioned above, Accidental
injuries which independently of all other causes and
within 180 days from the happening of such accident,
result in the irrecoverable loss of the entire sight of both
eyes or in the amputation of both hands at or above
the wrists or in the amputation of both feet at or above
ankles, or in the amputation of one hand at or above
the wrist and one foot at or above the ankle, shall also
be deemed to constitute such disability.
In the event of it being discovered at any time that a
claim under this clause has been wrongly admitted, all
premiums falling due after the date of the Corporation’s
intimation to that effect shall be paid on due dates and
further all premiums for which waiver was wrongly
claimed and all instalments of disability benefit which
 go {H$¶m J¶m Wm, Am¡a An§JVm {hVbm^ H$s g^r {H$íV| {OZH$m ~r{‘V
ì¶{º$ H$mo ^wJVmZ {H$¶m J¶m Wm, g‘¶ g‘¶ na {ZJ‘ Ûmam V¶ {H$E JE
Xa na ã¶mO Ho$ gmW EH$‘wíV ê$n go {ZJ‘ H$mo dmng H$aZm n‹S>oJm, O¡go
{H$ An§JVm Zht hþB© h¡, daZm Eogm Z H$aZo na
i) nm°{bgr na CnbãY {hVbm^m| H$mo Eogo KQ>m {X¶m OmEJm, O¡go
nm°{bgr Cg {V{W go ~§X H$a Xr JB© hmo, {Og {V{W na àr{‘¶‘
{H$ Ny>Q> Xr J¶r hmo, ¶m An§JVm {hVbm^ am{e H$s nhbr {H$íV Ho$
^wJVmZ na, Omo ^r nhbo hmo, Am¡a
ii) nhbo go ^wJVmZ H$s$ JB© An§JVm {hVbm^ am{e H$s {H$íVm| H$mo
g§X{^©V nm°{bgr na F$U Ho$ ê$n ‘| ‘mZm OmEJm Am¡a {ZJ‘ Ûmam
g‘¶ g‘¶ na V¶ {H$E JE Xa na ã¶mO Ho$ gmW nm°{bgr na Xo¶
am{e go H$mQ> {b¶m OmEJm&
AmJo Ho$ H$moB© An§JVm {hVbm^ {H$íV/{H$íV| Xo¶ Zht hm|Jr, ¶h ‘mZVo hþE
{H$ H$moB© An§JVm Zht hþB© h¡&
I) ~r{‘V ì¶{º$ H$s ‘¥Ë¶w H$s pñW{V ‘| : Bg AZwd¥{Õ Ho$ A§VJ©V XþK©Q>Zm
{hVbm^ ~r‘m am{e Ho$ ~am~a {H$ am{e H$m ^wJVmZ {H$¶m OmEJm& hmbm§{H$,
XþK©Q>Zm {H$ g‘¶ na AZwd¥{Õ H$mo Mmby ahZr Mm{hE (AWm©V XþK©Q>Zm H$s
VmarI na Xo¶ g^r àr{‘¶‘m| H$m ^wJVmZ {H$¶m hmoZm Mm{hE&
J) n[an³dVm {hVbm^ : Bg AZwd¥{Õ Ho$ VhV H$moB© ^r n[an³dVm {hVbm^
Xo¶ Zht hmoJm&
2) {à{‘¶‘m| H$m ^wJVmZ :
H$) XþK©Q>ZmË‘H$ ‘¥Ë¶w VWm An§JVm {hVbm^ AZwd¥{Õ àr{‘¶‘,
g‘¶-g‘¶ na bmJy H$am| g{hV, Ho$db ‘yb nm°{bgr Ho$ àr{‘¶‘
Ho$ gmW hr Xo¶ h¡ Am¡a BgH$m AbJ go ^wJVmZ Zht {H$¶m Om
gH$Vm h¡&
I) EH$ ~ma EbAmB©gr {H$ XþK©Q>ZmË‘H$ ‘¥Ë¶w VWm An§JVm {hVbm^
AZwd¥{Õ Ho$ A§Xa An§JVm Xmdo H$mo ñdrH$ma H$a {b¶m J¶m, Vmo
Bg AZwd¥{Õ Ho$ {bE AmJo H$m H$moB© ^r àr{‘¶‘ Zht {b¶m OmEJm&
hmbm§{H$, H$moB© Aݶ AZwd¥{Õ(¶m§),AJa MwZr JB© hmo, CZHo$ {bE Xo¶
àr{‘¶‘ Am¡a ‘yb ~r‘m am{e Ho$ gmW XþK©Q>Zm {hVbm^ ~r‘m am{e
Ho$ A§Va (AJa ‘yb ~r‘m am{e Bg AZwd¥{Õ Ho$ A§VJ©V ~r‘m am{e
go Á¶mXm hmo Vmo) H$s am{e go g§X{^©V ‘yb nm°{bgr H$m àr{‘¶‘,
BZ XmoZmo§ Ho$ Hw$b àr{‘¶‘ H$m ^wJVmZ Omar aIZm n‹S>oJm, Vm{H$
‘yb nm°{bgr VWm AZwd¥{Õ H$s eVm] Am¡a {Z¶‘m| Ho$ AZwgma g§~§{YV
gwajm Omar aho&
J) Bg AZwd¥{Õ Ho$ g§~§Y ‘| ^wJVmZ {H$¶m J¶m A{V[aº$ àr{‘¶‘ ‘yb
nm°{bgr Ho$ ‘¥Ë¶w bm^ Ho$ {ZYm©aU Am¡a ‘yb nm°{bgr Ho$ Aä¶n©U
‘yë¶ H$s JUZm Ho$ {bE {dMma ‘| Zht {b¶m OmEJm&
3. AZwJ«h Ad{Y : O¡go ‘yb nm°{bgr ‘| Cëbo{IV
4. eV] Am¡a à{V~§Y
H$) Bg nm°{bgr Ho$ g§X^© ‘| XþK©Q>Zm H$mo Bg g§b½ZH$ Ho$ ^mJ ~r ‘|
n[a^m{fV {H$¶m J¶m h¡&
I) ¶h AZwd¥{Õ Zm~m{bJ H$s OrdZ na nm°{bgr ‘| ~r{‘V ì¶{º$
H$s Zm~m{bJr Ho$ Xm¡amZ CnbãY Zht hmoJr& hmbm§{H$,{ZJ‘ Ho$
{Z¶‘m| Ho$ AZwgma XþK©Q>Zm bm^ Ho$ {bE ¶mo½¶ nmE OmZo na VWm
{d{eï> AZwamoY na Am¡a A{V[aº$ àr{‘¶‘ H$s ^wJVmZ H$s àm{á na
18 df© H$s Am¶w nyar hmoZo Ho$ ~mX H$s nm°{bgr df©Jm§R> go ¶h
{hVbm^ CnbãY hmoJm&
J) O¡gm H$s D$na ~Vm¶m J¶m h¡, Mmby nm°{bgr Ho$ A§VJ©V ‘yb nm°{bgr
H$s àr{‘¶‘ ^wJVmZ Ad{Y Ho$ Xm¡amZ {H$gr ^r g‘¶ Bg AZwd¥{Õ
H$m {dH$ën MwZm Om gH$Vm h¡&, ~eV] H$s ‘yb nm°{bgr VWm
AZwd¥{Õ Ho$ {bE ~H$m¶m àr{‘¶‘ Ho$ ^wJVmZ H$s eof Ad{Y H$‘ go
H$‘ 5 df© hmo, bo{H$Z Cg nm°{bgr df©Jm§R> go nhbo {Og na ~r{‘V
ì¶{º$ H$s {ZH$Q>V‘ OÝ‘{XZ na Am¶w 65 df© hmoJr& Bg AZwd¥{Õ
Ho$ A§VJ©V {hVbm^ ‘yb nm°{bgr Ho$ ~H$m¶m àr{‘¶‘ ^wJVmZ Ad{Y
Lic’s Accidental Death And Disability Benefit Rider Page 4 of 8
have been paid to the life assured shall be returned to
the Corporation in one lump sum with interest, at such
rate as fixed by the Corporation from time to time, as if
no disability had occurred, failing which
(i) the benefits available under the policy shall stand
reduced as if the policy has been discontinued
as on the date from which premiums have been
waived or on the payment of the first instalment of
Disability Benefit, whichever is earlier and
(ii) the instalments of Disability Benefit already paid
shall be treated as a debt against the said policy
and shall be deducted with interest at such rate as
fixed by the Corporation from time to time from
the proceeds of the policy.
No further instalment/s of Disability Benefit shall be
payable considering as if no disability had occurred.
b. In case of Death of the Life Assured:
A sum equal to the Accident Benefit Sum Assured
shall be payable under this Rider. However, the
Rider shall have to be in-force at the time of
accident (i.e. all due premiums should have been
paid as on the date of accident).
c. Maturity Benefit:
No maturity benefit is payable under this Rider.
2. Payment of Premium:
(a) The Accidental Death and Disability Benefit
Rider premium, including the taxes as applicable
from time to time, is payable only along with the
premium for the Base Policy and cannot be paid
separately.
(b) Once a disability claim under LIC’s
Accidental Death and Disability Benefit
Rider has been admitted, no subsequent
premium towards this Rider shall be
charged. However, the total premium
including the premium for other Rider(s),
if opted for, and premium under the Base
Policy corresponding to the difference in
the Basic Sum Assured and the Accident
Benefit Sum Assured (if Basic Sum Assured
exceeds the Accident Benefit Sum Assured
under this Rider), shall continue to be paid
for continuity of coverage of respective
benefits as per the terms and conditions of
the Base Policy and Rider(s).
(c) The additional premium paid in respect of
this Rider shall not be taken into account for
determination of Death Benefit of the Base
Policy and in calculating the surrender value of
the Base Policy.
3. Grace period: Same as mentioned under the Base
Policy.
4. Conditions and restrictions:
(a) An Accident for the purpose of this policy is as
defined in Part B of this Endorsement.
(b) This Rider will not be available under the policy
on the life of minors, during minority of the Life
Assured. However, this Rider will be available
from the policy anniversary following completion
of age 18 years on receipt of specific request and
payment of additional premium, if found eligible as
per the underwriting rules of the Corporation.
(c) Subject to as stated above, under an in-force policy
the LIC’s Accidental Death and Disability Benefit
Rider can be opted for by payment of additional
premium at any time within the premium paying
term of the Base Policy provided, the outstanding
premium paying term of the Base Policy as well
as Rider is at least five years but before the policy
anniversary on which the age nearer birthday of
 Ho$ Xm¡amZ ¶m nm°{bgr Ho$ Cg df©Jm§R> VH$ {Og na ~r{‘V ì¶{º$ H$s
{ZH$Q>V‘ Am¶w 70 df© hmo, BZ‘| go Omo ^r nhbo hmo, VH$ CnbãY
hm|Jo ~eV] H$s nm°{bgr XþK©Q>Zm H$s {V{W na nyar ~r{‘V am{e Ho$
{bE Mmby hmo&
K) ‘yb nm°{bgr Ho$ A§VJ©V g^r àr{‘¶‘m| H$m ^wJVmZ H$a {XE OmZo
Ho$ ~mX AWdm Cg nm°{bgr df©Jm§R> na ¶m Cg Ho$ ~mX O~ ~r{‘V
ì¶{º$ H$s {ZH$Q>V‘ OÝ‘{XZ na Am¶w 70 df© hmo, Bg ‘| go Omo
^r nhbo hmo, Bg {hVbm^ Ho$ {bE A{V[aº$ àr{‘¶‘ H$m ^wJVmZ
H$aZo H$s Amdí¶H$Vm Zht hmoJr& hmbm§{H$, ‘yb nm°{bgr Ho$ A§VJ©V
àr{‘¶‘ H$m nm°{bgr H$s Ad{Y Ho$ A§V VH$ 70 df© H$s Am¶w go
AmJo, Ohm§ ^r bmJy hmo, ^wJVmZ {H$¶m OmZm Omar aIm OmEJm&
L>) XþK©Q>Zm {hVbm^ ~r‘m gwajm H$s A{YH$V‘ g§¶wº$ gr‘m {ZåZmZwgma
hmoJr :
i) é. 100 bmI H$s ݶyZV‘ ‘yb ~r‘mH¥$V am{e dmbo EbAmB©gr H$s
OrdZ {eamo‘{U Ho$ {bE
EH$ hr OrdZ na ì¶{º$JV nm°{b{g¶m| Ho$ gmW hr g‘yh nm°{b{g¶m|,
{OgHo$ {bE AJ«m§{H$V bm^ bmJy hm|Jo, Ho$ A§VJ©V ^maVr¶ OrdZ
~r‘m {ZJ‘ Ho$ gmW br JB© A§V{Z©{hV XþK©Q>Zm bm^ dmbr nm°{b{g¶m|
g{hV g^r nm°{b{g¶m| Ho$ A§VJ©V ~r‘m H$s A{YH$V‘ g§¶wº$ gr‘m
{H$gr ^r pñW{V ‘| XþK©Q>Zm bm^ ~r‘m am{e (EbAmB©gr H$s Or¶Z
{eamo‘{U g{hV) é. 200 bmI go A{YH$ Zht hmoJr& ¶{X EH$
go A{YH$ nm°{b{g¶m± hm|Jr Am¡a ¶{X Hw$b XþK©Q>Zm {hVbm^ ~r‘m
am{e é. 200 bmI (EbAmB©gr H$s OrdZ {eamo‘{U Ho$ A§VJ©V
ݶyZV‘ é. 100 bmI g{hV) go A{YH$ hmoJr, Vmo bm^ Omar H$s
JB© nm°{b{g¶m| H$s {V{W Ho$ H«$‘ ‘| àW‘ é. 200 bmI XþK©Q>Zm
{hVbm^ ~r‘m am{e na bmJy hm|Jo&
ii) Aݶ g^r ¶moOZmAm| Ho$ {bE (EbAmB©gr H$s OrdZ {eamo‘{U H$mo
N>mo‹S>H$a)
EH$ hr OrdZ na ì¶{º$JV nm°{b{g¶m| Ho$ gmW hr g‘yh nm°{b{g¶m|,
{OgHo$ {bE AJ«m§{H$V bm^ bmJy hm|Jo, Ho$ A§VJ©V ^maVr¶ OrdZ
~r‘m {ZJ‘ Ho$ gmW br JB© A§V{Z©{hV XþK©Q>Zm bm^ dmbr nm°{b{g¶m|
g{hV g^r nm°{b{g¶m| Ho$ A§VJ©V ~r‘m H$s A{YH$V‘ g§¶wº$ gr‘m
{H$gr ^r pñW{V ‘| XþK©Q>Zm bm^ ~r‘m am{e é. 100 bmI go
A{YH$ Zht hmoJr& ¶{X EH$ go A{YH$ nm°{b{g¶m± hm|Jr Am¡a ¶{X
Hw$b XþK©Q>Zm {hVbm^ ~r‘m am{e é. 100 bmI go A{YH$ hmoJr,
Vmo bm^ Omar H$s JB© nm°{b{g¶m| H$s {V{W Ho$ H«$‘ ‘| àW‘ é. 100
bmI XþK©Q>Zm {hVbm^ ~r‘m am{e na bmJy hm|Jo&
{H$gr ^r pñW{V ‘|, Cnamoº$ eV© 4(L>)(i) Ho$ A§VJ©V br JB© nm°{b{g¶m|
g{hV {H$gr ì¶{º$ H$mo àXmZ H$s JB© A{YH$V‘ XþK©Q>Zm {hVbm^ ~r‘m
gwajm é. 200 bmI go A{YH$ Zht hmoJr&
M) à{V~§Y :
{ZJ‘ D$na ‘| Cëbo{IV nmQ>© gr H$s eV© 1 H$ ¶m 1 I ‘| {d{Z{X©ï>
{hVbm^ H$m ^wJVmZ H$aZo Ho$ {bE CÎmaXm¶r Zhr hmoJm, ¶{X ~r{‘V
ì¶{º$ H$s ‘¥Ë¶w :
i) OmZ~yPH$a ñd¶§ H$mo MmoQ> nhþ§MmZo,AmË‘h˶m Ho$ à¶mg, nmJbnZ
¶m AZ¡{VH$Vm Ho$ H$maU ¶m ~r{‘V ì¶{º$ Ho$ eam~, Zerbr Xmdm
¶m ‘mXH$ nXmW© ({gdm¶ Ohm§ {M{H$Ëgm Ho$ EH$ A§J Ho$ ê$n ‘|
{M{H$ËgH$ Ûmam {ZYm©[aV H$s JB© hmo) Ho$ à^md ¶m Cn¶moJ Ho$ AYrZ
ahZo Ho$ Xm¡amZ hmoVr h¡; ¶m
ii) X§Jm|, ZmJ[aH$ CnÐd {dÐmoh,¶wÕ (Mmho ¶wÕ Kmo{fV hmo ¶m Z hmo),
AmH«$‘U, {eH$ma, nd©VmamohU, ñQ>rnb MoqOJ,{H$gr àH$ma H$s
Xm¡‹S>,n¡am½bmBqS>J ¶m n¡ameyqQ>J ‘| ^mJ boZo, gmh{gH$ Iobm| ‘| ^mJ
boZo Ho$ n[aUm‘ñdê$n MmoQ>m| Ho$ H$maU hmoVr h¡; ¶m
iii) ~r{‘V ì¶{º$ Ûmam Amnam{YH$ BamXo go H$mZyZ H$m C„§KZ H$aZo Ho$
n[aUm‘ñdê$n hmoVr h¡; ¶m
iv) H$) geó ~bm| AWdm g¡Ý¶ godm ‘| ~r{‘V ì¶{º$ Ho$ Zm¡H$ar go
hmoVr h¡& ¶{X ~r{‘V ì¶{º$ S>çyQ>r na Zht ahZo Ho$ Xm¡amZ {H$gr
XþK©Q>Zm H$m {eH$ma hmo J¶m ¶m h‘mao Xoe ‘| àmH¥${VH$ AmnXmAm|
H$m ‘wµH$m~bm H$aZo Ho$ Xm¡amZ {H$gr ~Mmd H$m¶© Z| em{‘b Wm
Vmo ¶h AndO©Z bmJy Zht hmoJm&
I) AY©g¡{ZH$ ~b Ho$ Abmdm {H$gr ^r nw{bg g§JR>Z ‘| nw{bg
Lic’s Accidental Death And Disability Benefit Rider Page 5 of 8
the Life Assured is 65 years. The benefit covered
under this Rider will be available during the
outstanding policy term of the Base Policy, or upto
the policy anniversary on which the age nearer
birthday of the Life Assured is 70 years, whichever
is earlier, provided the Policy is in-force as on date
of accident.
(d) The additional premium for this Rider will not
be required to be paid after all premiums under
the Base Policy have been paid or on and after
the policy anniversary on which the age nearer
birthday of the Life Assured is 70 years, whichever
is earlier. However, the premium under the Base
Policy with which this Rider is attached shall
continue to be paid beyond age 70 years till the
end of policy term, wherever applicable.
(e) The maximum aggregate limit of Accident Benefit
cover shall be as under:
i) For LIC’s Jeevan Shiromani with minimum Basic
Sum Assured of Rs. 100 lakhs
The maximum aggregate limit of assurance
under all policies including policies with in-
built Accident Benefit taken with Life Insurance
Corporation of India under individual policies as
well as group policies on the same life to which
following benefits apply shall not in any event
exceed Rs.200 lakhs of Accident Benefit Sum
Assured (including LIC’s Jeevan Shiromani). If
there be more policies than one and if the total
Accident Benefit Sum Assured exceeds Rs. 200
lakhs (including a minimum of 100 lakhs under
LIC’s Jeevan Shiromani) the benefits shall apply
to the first Rs. 200 lakhs Accident Benefit Sum
Assured in order of date of policies issued.
ii) For all other plans (excluding LIC’s Jeevan
Shiromani):
The maximum aggregate limit of assurance
under all policies including policies with in-
built Accident Benefit taken with Life Insurance
Corporation of India under individual policies
as well as group policies on the same life to
which following benefits apply shall not in any
event exceed Rs.100 lakhs of Accident Benefit
Sum Assured. If there be more policies than one
and if the total Accident Benefit Sum Assured
exceeds Rs. 100 lakhs, the benefits shall apply
to the first Rs. 100 lakhs Accident Benefit Sum
Assured in order of date of policies issued.
In any case, the maximum Accident Benefit cover
offered to an individual including the policies taken
under Condition 4.(e) (i) above,will not exceed Rs.
200 lakhs.
(f). Exclusions:
The Corporation shall not be liable to pay the
benefits as specified in Condition 1.(a) or 1.(b) of
Part C above , if the disability or the death of the
Life Assured shall:
(i) be caused by intentional self injury, attempted
suicide, insanity or immorality or whilst the Life
Assured is under the influence or consumption
of intoxicating liquor, narcotic or drug (unless
prescribed by doctor as a part of treatment); or
(ii) be caused by injuries resulting from taking any
part in riots, civil commotion, rebellion, war
(whether war be declared or not), invasion,
hunting, mountaineering, steeple chasing,
racing of any kind, paragliding or parachuting,
taking part in adventurous sports; or
(iii)result from the Life Assured committing any
criminal act with criminal intent; or
(iv)a) arise from employment of the Life Assured
in the armed forces or military service. This
exclusion is not applicable if the Life Assured
was involved in an accident when he is not on
duty or was involved in any rescue operations
while combating natural calamities in our
country; or
 S>çyQ>r (àemg{ZH$ H$m¶© H$mo N>mo‹S>H$a) ‘| g§b¾ hmoZo go hmoVr
h¡& ¶h AndO©Z bmJy Zht hmoVm h¡, Ohm§ nw{bg S>çyQ>r ‘| g§b¾
ahZo Ho$ Xm¡amZ XþK©Q>Zm go hmoZo dmbm XþK©Q>Zm {hVbm^ ~r‘m
gwajm H$m {dH$ën MwZm J¶m h¡; ¶m
v) ~r{‘V ì¶{º$ H$s ‘¥Ë¶w XþK©Q>Zm H$s {V{W go 180 {XZ {XZm| Ho$ ~mX
hmoVr h¡&
^mJ - 'S>r' : godm nhbw go g§~§{YV eV]
1. Am¶w gå~§{YV à‘mU : O¡go ‘yb nm°{bgr ‘¢ Cëbo{IV
2. OãVr Am¡a J¡a-OãVr {d{Z¶‘:
Hw$N> Aݶ pñW{V¶m| ‘| OãVr : O¡go ‘yb nm°{bgr ‘¢ Cëbo{IV
J¡a-OãVr {d{Z¶‘: ¶o àmdYmZ Bg AZwd¥{Õ na bmJy Zht hmoVo, Š¶m|{H$
¶h H$moB© àXÎm ‘wë¶ AO©Z Zht H$aVr, Am¡a ¶{X ‘yb nm°{bgr H$mbmVrV
pñW{V ‘¢ hmo Vmo AZwd¥{Õ {hVbm^ bmJy hmoZm ~§X hmo OmVm h¡ &
3. H$mbmVrV nm°{bgr H$m nwZM©bZ
AZwd¥{Õ Ho$ nwZM©bZ H$m ‘yb nm°{bgr Ho$ nwZM©bZ Ho$ gmW {dMma {H$¶m
OmEJm Am¡a {ZJ‘ H$s ~r‘mboIZ Zr{V Ho$ AZwgma nwZM©bZ {H$¶m OmEJm&
‘yb nm°{bgr XñVmdoµO Ho$ ^mJ S>r ‘| ""H$mbmVrV nm°{bgr Ho$ nwZM©bZ''
Ho$ VhV {Z¶‘ Am¡a eVm] H$m C„oI {H$¶m J¶m h¡ &
4. Aä¶n©U ‘yë¶
¶h AZwd¥{Õ H$moB© àXÎm ‘yë¶ A{O©V Zht H$aoJr Am¡a CgHo$ VhV H$moB©
Aä¶n©U ‘yë¶ CnbãY Zht hmoJm& hmbm§{H$, AJa Bg {hVbm^ H$m M¶Z
{Og ‘yb nm°{bgr gmW {H$E {H$¶m J¶m hmo CgHo$ Aä¶n©U na, ~eV] Bg
{hVbm^ Ed§ ‘yb nm°{bgr Ho$ g§~§Y ‘| g^r Xo¶ àr{‘¶‘m| H$m ^wJVmZ {H$¶m
J¶m hmo, Am¡a ‘yb nm°{bgr Zo Aä¶n©U ‘yë¶ àmá H$a {b¶m hmo, àr{‘¶‘
^wJVmZ Ad{Y Ho$ ~mX ~r‘m-gwajm Ho$ {bE AXm {H$E JE A{V[aº$
AZwd¥{Õ àr{‘¶‘m| H$mo {ZåZmZwgma dmng {H$¶m OmEJm :
{Z¶{‘V àr{‘¶‘ nm°{bgr : Hw$N> ^r Xo¶ Zht hmoJm&
EH$b àr{‘¶‘ nm°{bgr : AZwd¥{X²Y EH$b àr{‘¶‘ H$m 90% * (nyU© dfm]
‘| Bg {hVbm^ Ho$ {bE ~H$m¶m Ad{Y/AZwd¥{Õ Ad{Y)
gr{‘V àr{‘¶‘ ^wJVmZ nm°{bgr : àr{‘¶‘ ^wJVmZ Ad{Y Ho$ Xm¡amZ : 80% *
(à{V é.1000 XþK©Q>Zm {hVbm^ ~r‘m am{e na dm{f©H$sH¥$V AZwd¥{Õ
àr{‘¶‘ - 1) * (XþK©Q>Zm {hVbm^ ~r‘m am{e/1000) * (CZ dfm]
H$s g§»¶m {OZHo$ {bE Bg {hVbm^ Ho$ g§~§Y ‘| àr{‘¶‘ H$m ^wJVmZ
{H$¶m J¶m h¡)
àr{‘¶‘ ^wJVmZ Ad{Y Ho$ ~mX : 80% * (à{V é.1000 XþK©Q>Zm
{hVbm^ ~r‘m am{e na dm{f©H$sH¥$V AZwd¥{Õ àr{‘¶‘ - 1) * (XþK©Q>Zm
{hVbm^ ~r‘m am{e/1000) * (AZwd¥{Õ Ho$ {bE àr{‘¶‘ ^wJVmZ
Ad{Y) * (gånyU© dfm] ‘| AZwd¥{Õ Ho$ {bE ~H$m¶m Ad{Y/(AZwd¥{Õ
Ad{Y - AZwd¥{Õ bo {bE àr{‘¶‘ ^wJVmZ Ad{Y)
Ohm± EH$b àr{‘¶‘/dm{f©H$sH¥$V AZwd¥{Õ àr{‘¶‘ ‘| H$a em{‘b Zht h¡&
{Q>ßnUr… àVrH$ (*) JwUZ H$mo Xem©Vm h¡ Am¡a àVrH$ (/) {d^mOZ H$mo Xem©Vm
h¡& term for the rider))
5. F$U : Bg AZwd¥{Õ Ho$ VhV H$moB© F$U AZw‘mo{XV Zht hmoJm &
6. EbAmB©gr H$s XþK©Q>ZmË‘H$ ‘¥Ë¶w VWm An§JVm {hVbm^ AZwd¥{Õ H$s
g‘m{á :
{ZåZ{bpIV ‘| go g~go nhbo H$moB© ^r pñW{V K{Q>V hmoZo na, EbAmB©gr
H$s XþK©Q>ZmË‘H$ ‘¥Ë¶w VWm An§JVm {hVbm^ AZwd¥{Õ Vwa§V hr g‘má hmo
OmEJr :
(1) ~r{‘V ì¶{º$ H$s ‘¥Ë¶w hmoZo na &
(2) gånyU© Ed§ ñWm¶r An§JVm H$s pñW{V ‘| An§JVm {hVbm^ H$s A§{V‘
{H$íV H$m ^wJVmZ hmoZo na &
(3) EbAmB©gr H$s XþK©Q>ZmË‘H$ ‘¥Ë¶w VWm An§JVm {hVbm^ AZwd¥{Õ
g‘má hmoZo H$s VmarI na (O¡go AZwgyMr ‘| Cëbo{IV h¡)
Lic’s Accidental Death And Disability Benefit Rider Page 6 of 8
b) arise from being engaged in police duty (which
excludes administrative assignments) in any
police organization other than paramilitary
forces. This exclusion is not applicable where
the option to cover Accidental Death and
Disability Benefit arising on accident while
engaged in police duty, has been chosen; or
v) occur after 180 days from the date of accident of
the Life Assured.
PART-D: CONDITIONS RELATED TO SERVICING ASPECTS
1. Proof of Age :Same as mentioned under the Base Policy
2. Forfeiture and Non-forfeiture Regulations:
Forfeiture in Certain Other Events: Same as mentioned
under the Base Policy.
Non-forfeiture Regulations: These provisions do not
apply to this Rider as it does not acquire any paid up
value and the Rider benefit ceases to apply, if Base
policy is in lapsed condition.
3. Revival of lapsed Policies:
The revival of the Rider will be considered along with
the revival of the Base Policy and shall be revived
in accordance with the Underwriting policy of the
Corporation. The terms and conditions are as mentioned
under “Revival of Lapsed Policies” in Part D of the Base
Policy Document.
4. Surrender Value:
This Rider shall not acquire any Paid-up Value and no
Surrender Value will be available under this Rider.
However, if this Rider has been opted for and on
surrender of the base policy to which this Rider is
attached, provided all the due premiums in respect of
this Rider and the base policy have been paid and the
base policy has acquired surrender value, additional
rider premium charged in respect of cover after
premium paying term shall be refunded as follows:
Regular premium policy: Nothing shall be refunded.
Single premium policy: 90% of rider single premium *
(outstanding term for this rider in complete years/ Rider
term)
Limited premium paying policy:
During Premium Paying Term: 80% * (annualised rider
premium per Rs. 1000 Accident Benefit Sum Assured –
1) * (Accident Benefit Sum Assured/1000) * (Number of
years for which premiums in respect of this rider have
been paid)
After Premium Paying Term: 80% * (annualised rider
premium per Rs. 1000 Accident Benefit Sum Assured –
1) * (Accident Benefit Sum Assured/ 1000) * (Premium
paying term for the rider) * (outstanding term for the
rider in complete years / ( Rider term – Premium paying
Where single premium or annualized rider premium
mentioned above excludes taxes.
Note:Symbol (*) denotes multiplication and symble (/)
denotes division.
5. Loan: No loan will be granted under this Rider.
6. Termination of LIC’s Accidental Death and Disabilty
Benefit Rider:
The cover under LIC’s Accidental Death and Disability
Benefit Rider will terminate on the earliest of:
a) On death of the Life Assured.
b) On payment of final instalment of disability benefit
in case of total and permanent disability.
c) The date of expiry of the LIC’s Accidental Death
and Disability Benefit Rider (as mentioned in the
Schedule).
 (4) dh VmarI {Og na ‘yb nm°{bgr, {Oggo ¶h AZwd¥{Õ g§b¾ hmo,
g‘má hmo OmVr h¡ ¶m nyU© àXÎm nm°{bgr ‘| n[ad{V©V hmo OmVr h¡&
(5) Bg AZwd¥{Õ Ho$ VhV {Z…ewëH$ AdbmoH$Z {ZañVrH$aU am{e H$m
^wJVmZ hmo OmZo na&
AJa Bg AZwd¥{Õ Ho$ VhV An§JVm {hVbm^ H$mo ñdrH$ma {H$¶m J¶m h¡
Am¡a BgHo$ ~mX ‘yb nm°{bgr H$m nm°{bgr YmaH$ Ûmam Aä¶n©U {H$¶m
OmVm h¡, Vmo Bg AZwd¥{Õ ‘| An§JVm {hVbm^ Ho$ àmdYmZm| Ho$ AZwgma
An§JVm {hVbm^ H$s {H$íVm|, AJa H$moB© hmo, H$m ^wJVmZ Omar ahoJm&
7. {Z…ewëH$ AdbmoH$Z Ad{Y : ¶{X nm° { bgrYmaH$ nm° { bgr Ho $ ""{Z¶‘
Ed§ eVm]'' go g§Vwï> Zht h¡ Vmo nm° { bgrYmaH$ Ûmam nm° { bgr XñVmdo O
àmá H$aZo H$s VmarI go 15 {XZ (B§ Q >aZo Q > Ho $ ‘mܶ‘ go nm° { bgr
IarXZo na 30 {XZ) H$s {Z…ew ë H$ Adbmo H $Z Ad{Y Ho $ Xm¡ a mZ
dh Amn{Îm¶m| H$m H$maU ~VmVo hþ E ‘w b nm° { bgr XñVmdo O Ho $ gmW
AZwd¥{Õ g§b½ZH$ {ZJ‘ H$mo bm¡ Q >m gH$Vm h¡ & nm° { bgr àmá hmo Z o na,
{ZJ‘ AZwd¥{X²Y H$mo {ZañV H$a Xo J m Am¡ a Bg AZw d ¥ { Õ Ho $ g‘mdo e Z
go g§~§{YV g‘mZwnmVr Omo { I‘ àr{‘¶‘ (Bg AZw d ¥ { Õ Ho $ {bE) VWm
{M{H$Ëgm Om§M, {deof [anmo Q >m] (AZw d ¥ { Õ g‘mdo e Z Ho $ H$maU, ¶{X
H$moB© hmo) Am¡a ñQ>m§n ewë H$ Ho $ à^ma H$mQ>H$a Bg AZw d ¥ { X² Y Ho $ {bE
O‘m {H$E JE àr{‘¶‘ H$s am{e bm¡ Q >m Xo J m &
^mJ B©
bmJy Zht
^mJ E’$ : Aݶ {Z¶‘m| Ed§ eV]
1. g‘ZwXoeZ Am¡a Zm‘m§H$Z: ‘yb nm°{bgr H$s Vah
2. H$a …
d¡Ym{ZH$ H$a, ¶{X H$moB© hmo, ^maV gaH$ma Ûmam Eogo ~r‘m AZwd¥{Õ na
bJm¶m OmVm h¡ ¶m {H$gr ^r Aݶ g§d¡Ym{ZH$ H$a àm{YH$aU Ho$ ê$n ‘|
g‘¶-g‘¶ na bmJy hmoZo dmbo H$a H$mZyZm| Am¡a H$a H$s Xa Ho$ AZwgma
hmoJm&
àM{bV Xam| Ho$ AZwgma Xo¶ bmJy H$am| H$s am{e, nm°{bgrYmaH$ Ûmam
A{V[aº$ àr{‘¶‘ g{hV àr{‘¶‘ na Xo¶ hmoJr, {Ogo nm°{bgrYmaH$ Ûmam
Xo¶ àr{‘¶‘ Ho$ A{V[aº$ Am¡a AbJ go {b¶m OmEJm& ^wJVmZ H$s JB© am{e
H$mo AZwd¥{Õ Ho$ VhV Xo¶ bm^m| H$s JUZm Ho$ {bE {dMma ‘| Zhr {b¶m
OmEJ&
3. Xmdo Ho$ {bE gm‘mݶ Amdí¶H$VmE± :
‘yb nm°{bgr ‘| ~VmE JE Xmdm àmdYmZm| Ho$ A{V[aº$, XþK©Q>Zm Ho$ H$maU
hþB© ‘¥Ë¶w {hVbm^ VWm An§JVm Xmdo Ho$ {dMma Ho$ {bE VWm {Og KQ>Zm
Ho$ H$maU ‘¥Ë¶w/An§JVm hþB© h¡ Cg H$mo Om±MZo Ho$ {bE ZrMo {XE JE gyMr
go bmJy {ddaUm| H$mo ‘m§Jm Om gH$Vm h¡ :
1) àW‘ gyMZm [anmoQ>© (E’$ AmB© Ama) H$s à‘m{UV à{V&
2) nw{bg AÝdofU [anmoQ>© H$s à‘m{UV à{V&
3) n§MZm‘o H$s à{V&
4) ‘¥Ë¶w H$m g§^m{dV H$maU OmZZo Ho$ {bE nmoñQ>‘m°Q>}‘ [anmoQ>©& ¶{X
nmoñQ>‘m°Q>}‘ ‘| A§Vam§J g§a{jV {H$¶m J¶m h¡, Vmo Cg‘| nmB© JB©
gm‘J«r AWm©V, Š¶m ~r{‘V ì¶{º$ Zo eam~, Zerbr nXmWm] ¶m Oha
H$m godZ {H$¶m Wm ¶m Zht, OmZZo Ho$ {bE amgm¶{ZH$ {dûcofH$
[anmoQ>© &
5) g‘mMma nÌ H$s H$mÌU Ohm§ XþK©Q>Zm H$s gyMZm Xr JB© h¡&
6) ¶{X ‘¥Ë¶w dmhZ XþK©Q>Zm Ho$ H$maU hmoVr h¡, Vmo S´>mBqdJ bmBg|g H$s
à{V{b{n, ¶{X ~r{‘V ì¶{º$ dmhZ Mbm ahm Wm&
7) ‘¥Ë¶w Ho$ ~mao ‘| Cn-g§^mJr¶ ‘{OñQ´>oQ> H$m A§{V‘ {ZU©¶- ¶h ‘¥Ë¶w
H$mo àmH¥${VH$/AmË‘h˶m/AmH$pñ‘H$ H$m d{J©H$aU àXmZ H$aoJm&
8) O~ nw{bg A{YH$m[a¶m| H$mo XþK©Q>Zm gy{MV Zht H$s OmVr h¡, O¡go
Hw$Îmo ¶m gm±n H$mQ>Zo H$s ~Oh go ‘¥Ë¶w, Vmo d¡H$pënH$ à‘mU O¡go
H$s à˶jXeu H$m ~¶mZ,J«m‘godH$ ¶m gaH$mar A{YH$m[a¶m| H$m
hb’$Zm‘m, h‘mar AnZr Om§M [anmoQ>©,XoIZo dmbo {M{H$ËgH$ ¶m
AñnVmb H$s [anmoQ>© n¶m©á hmoJr&
Lic’s Accidental Death And Disability Benefit Rider Page 7 of 8
d) The date on which the Base Policy to which the
Rider is attached terminates or is converted into a
paid up policy.
e) On payment of Free Look cancellation amount for
this Rider.
If Disability Benefit claim is admitted under this Rider
and the Base Policy is surrendered subsequently by
the policyholder, the Disability Benefit instalments, if
any, shall continue to be paid as per the provisions of
Disability Benefit under this Rider.
7. Free look period:
During the Free Look period, If the policyholder is not
satisfied with the “Terms and Conditions” of the Rider,
the Rider Endorsement along with the Base Policy may
be returned to the Corporation within 15 days (30 days if
the policy is purchased online) from the date of receipt
of the policy stating the reason of objections. On receipt
of the same the Corporation shall cancel the Rider and
return the amount of premium deposited for this Rider
after deducting the proportionate risk premium (for
this Rider) for the period of cover, charges for medical
examination, special reports, if any, on account of Rider
inclusion and stamp duty charges.
PART E
Not Applicable.
PART – F: OTHER TERMS AND CONDITIONS
1. Assignments and Nominations: Same as mentioned
under the Base Policy.
2. Tax:
Statutory Taxes, if any, imposed on such insurance Riders
by the Government of India or any other Constitutional
Tax Authority of India shall be as per the Tax laws and
the rate of tax as applicable from time to time.
The amount of applicable taxes payable as per the
prevailing rates, shall be payable by the policyholder
on premiums including extra premiums, which shall be
collected separately over and above in addition to the
premiums payable by the policyholder. The amount of
Tax paid shall not be considered for the calculation of
benefits payable under the Rider.
3. Normal requirements for accidental claim:
In addition to the Claim provisions as stated in the Base
Policy, for considering accidental death benefit and
disability claim, the applicable statements from the
following list may be called to ascertain circumstances
under which death/disability took place:-
1) A certified copy of first information report (FIR).
2) A certified copy of police inquest report.
3) Copy of panchanama.
4) Post mortem report to know the probable cause of
death. If viscera is preserved in post mortem, then
chemical analyzer report to know the contents i.e.
whether life assured has consumed liquor, drugs,
narcotics or poison.
5) News paper cuttings where accident is reported.
6) If death is due to vehicle accident, then copy of
driving licence, if life assured was driving the
vehicle.
7) Sub-divisional magistrate final verdict about death-
this will give classification of death as ‘natural/
suicide/accidental’
8) When accident is not reported to police authorities,
like death due to dog or snake bite, then alternate
proofs such as statement of eye witness, affidavit
of gramsevak or govt. officials, our own enquiry
report, attending physician or hospital reports may
be sufficient.
 9) AñnVmb H$m CnMma [anmoQ>©, Am{X&
H$moB© ^r Xmdm ñdrH$m¶© hmoZo Ho$ {bE ‘¥Ë¶w H$s VmarI go 90 {XZ Ho$
A§Xa, ‘¥Ë¶w H$s gyMZm ‘¥Ë¶w à‘mUnÌ Ho$ gmW {ZJ‘ Ho$ Cg H$m¶m©b¶ ‘|
A{Ygy{MV H$s OmZr Mm{hE, Ohm§ nm°{bgr go g§~§{YV godmE§ Xr OmVr h¢&
VWm{n, XmdmH$Vm© Ho$ Ûmam gƒo Xmdm| H$s gyMZm ‘| hþB© Xoar H$mo, {ZJ‘ Ho$
Ûmam JwU-Xmof H$s ¶mo½¶Vm Ho$ AmYma na VWm XmdmH$Vm© Ho$ {Z¶§ÌU go
~mha Ho$ H$maUm| go hþB© Xoar à‘m{UV hmoZo na bmJy {H$¶m Om gH$Vm h¡ &
An§JVm {hVbm^ H$m Xmdm H$aZo Ho$ {bE A{V[aº$ Amdí¶H$ XñVmdoµO :
An§JVm hmoZo Ho$ ~mX CgH$m nyam {ddaU {bpIV ê$n ‘| {ZJ‘ Ho$ Cg
H$m¶m©b¶ H$mo {X¶m OmZm Mm{hE, Ohm± Bg nm°{bgr go{dV hmoVr h¡, {OgHo$
gmW nVm Ed§ ~r{‘V ì¶{º$ ì¶{º$ H$m {R>H$mZm ^r hmo, An§JVm hmoZo Ho$
90 {XZm| Ho$ A§Xa {ZJ‘ Ho$ godmH$Vm© H$m¶m©b¶ H$mo Cg VarHo$ go {X¶m
OmZm Mm{hE, O¡gm Bgo Amdí¶H$ hmo, Am¡a CgHo$ gmW {ZJ‘ H$s g§Vw{ï>
Ho$ AZwgma Am¡a {ZJ‘ Ho$ {H$gr IM© {~Zm An§JVm H$m à‘mU ^r XoZm
n‹S>oJm& {ZJ‘ Ûmam àm{YH¥$V {M{H$Ëgr¶ narjH$ ~r{‘V ì¶{º$ H$s Om§M
H$a|Jo Am¡a gyMZm Ho$ ~mX Xmdm {H$E JE {H$gr ^r An§JVm H$mo à‘m{UV
H$a|Jo& BgHo$ Abmdm, AJa Amdí¶H$ hmo Vmo ha Eogo ‘m‘bm| na AbJ go
{dMma H$aVo hþE An§JVm H$s {Za§VaVm H$mo d¡Y ñWmnZ H$aZo Ho$ {bE ~mX
‘| ^r {M{H$Ëgm Om§M H$s Om gH$Vr h¡&
AZwd¥{Õ Xmdm Ho$ ‘yë¶m§H$Z Ho$ {bE H$moB© ^r A{V[aº$ Amdí¶H$VmAm| H$s
‘m§J H$aZo H$m A{YH$ma {ZJ‘ Ûmam g§a{jV h¡&
4. d¡Ym{ZH$ n[adV©Z:
Bg AZwd¥{Õ Ho$ VhV Xo¶ àr{‘¶‘ Am¡a bm^ g{hV {Z¶‘ Am¡a eV]
àmg§{JH$ {dYmZ Am¡a {d{Z¶‘m| Ho$ AZwgma {^ÞVm Ho$ AYrZ h¢&
^mJ 'Or' : d¡Ym{ZH$ àmdYmZ
~r‘m A{Y{Z¶‘, 1938 H$s Ymam 45 : ‘yb nm°{bgr ‘| Cëbo{IV Ho$ AZwgma
{eH$m¶V {ZdmaU aMZmV§Ì : ‘yb nm°{bgr ‘| Cëbo{IV Ho$ AZwgma
{Q>ßnUr: • Bg XñVmdoO ‘| Cëbo{IV {Z¶‘m| Ed§ eVm] Am¡a {deof àmdYmZm|/
eVm] H$s ì¶m»¶m Ho$ {df¶ ‘| H$moB© n[admX hmoZo H$s pñW{V ‘|, A§J«oOr
^mfm§Va {d{Y‘mݶ hmoJm &
• Bg g§b¾H$ ‘| Cëbo{IV eVm] AbJ go Zht n‹T>m OmZm Mm{hE
~pëH$ ‘yb nm°{bgr ‘| Cëbo{IV eVm] Ho$ gmW AZw~§Y ‘| n‹T>m OmZm
Mm{hE&
Amngo AZwamoY h¡ {H$ Amn Bg nm°{bgr H$s Om§M H$a b| Am¡a ¶{X Bg‘| H$moB© JbVr
nmB© OmE, Vmo Bg nm°{bgr H$mo gwYma Ho$ {bE Vwa§V bm¡Q>m X| &
Lic’s Accidental Death And Disability Benefit Rider Page 8 of 8
9) Hospital treatment records, etc.
Within 90 days from the date of death, intimation of
death along with death certificate must be notified in
writing to the office of the Corporation where the policy
is serviced for any claims to be admissible. However,
delay in intimation of the genuine claim by the claimant
may be condoned by the Corporation on merit and
where delay is proved to be for the reasons beyond his/
her control.
Additional requirements for claiming Disability
Benefit:
After the happening of the disability, full particulars
thereof must be given in writing to the office of the
corporation where this policy is serviced together
with the then address and whereabouts of the Life
Assured and within 90 days of the happening of the
disability, must be given to the servicing office of the
Corporation, in the manner required by it, proof of
disability satisfactory to the Corporation and without
any expense to the Corporation. Medical Examiner
authorized by the Corporation shall examine the Life
Assured and certify in respect of any disability claimed
after the intimation. Further medical examination may
be done to validate the continuity of disability on case
to case basis, if required.
The Corporation reserves the right to call for any
additional requirement for the assessment of Rider
claim.
4. Legislative Changes:
The Terms and Conditions including the premiums
and benefits payable under this Rider are subject to
variation in accordance with the relevant Legislation &
Regulations.
PART-G: STATUTORY PROVISIONS
Section 45 of Insurance Act, 1938: Same as mentioned under
the Base Policy.
Grievance Redressal Mechanism: Same as mentioned under
the Base Policy.
Note:• In case of dispute in respect of interpretation of
terms and conditions mentioned in this Document,
the English version shall stand valid.
• The conditions mentioned in this endorsement are
not to be read in isolation but in agreement with
the conditions mentioned in the Base Policy.
YOU ARE REQUESTED TO EXAMINE THIS POLICY, AND IF ANY
MISTAKE BE FOUND THEREIN, RETURN IT IMMEDIATELY FOR
CORRECTION.