AD&D Insurance vs Life Insurance

Understanding the difference between AD&D insurance and life insurance has become essential today, especially in a country where accidents are no longer rare. According to official reports from police departments of states and union territories, there were 4,80,583 road accidents in the country in 2023 alone, which killed 1,72,890 people and hurt more than 4,62,000. People often think that life insurance and accidental death insurance work the same way in these kinds of situations. It's true that both are designed to provide financial assistance after a loss, but they differ significantly in how they operate and what they are intended to do.

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Life Insurance vs Accidental Death: Overview

Feature	Life Insurance	Accidental Death Insurance (AD&D)
Cause of Death Covered	Pays out if you pass away from illness, natural causes, or accidents	Only pays out if someone dies in an accident, usually within a certain amount of time (like 180 days).
Coverage Scope	Offers a broad scope of protection and protects you and your family over the long term	Comes with a limited scope of protection and covers only accidents
Disability or Loss of Limbs	Not included unless you add an accident rider.	Only covers serious injuries like losing a limb, going blind, or becoming permanently disabled.
Premiums	Higher premiums because of comprehensive coverage	Because of limited coverage, premiums are low.
Long-Term Usefulness	Relevant throughout life, no matter what happens	Only useful in case of an accident
Role in Planning	Important for the family's financial safety	Can be used as an extra safety net

Term Plans

₹1
Crore

Life Cover

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₹50
LAKH

Life Cover

@ Starting from ₹ 8/day⁺

₹75
LAKH

Life Cover

@ Starting from ₹ 12/day⁺

What Is Life Insurance?

Life insurance protects your family's financial future in the event of your untimely death. If something unfortunate happens to you during the policy term, a life insurance policy will pay a fixed amount, known as the death benefit, to your nominee. A life insurance policy covers all forms of death, including death from illness, medical condition, accident, or something unexpected.

A Life Insurance policy also offers maturity benefits to the policyholder in case he/she survive till the end of the policy term

Benefits of a Life Insurance Policy

Replaces lost income for your family
Pays off home loans, personal loans, or other liabilities
Covers daily living expenses
Secures children’s education and long-term goals
Handles funeral and immediate household costs

There are various types of life insurance policies, including term insurance, whole life insurance, endowment plans, money-back policies, child plans, and annuity plans. Each serves a slightly different goal, but the core idea remains the same: protection beyond just accidents.

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What Is AD&D Insurance?

AD&D insurance stands for Accidental Death and Dismemberment insurance. As the name suggests, this cover is strictly linked to accidents. An AD&D policy pays out only if death or disability occurs due to an accident.

What AD&D insurance covers?

Death caused directly by an accident
Loss of limbs, eyesight, hearing, or speech due to an accident
Permanent or partial disability caused by accidental injury

The payout depends on the severity of the injury. For example, accidental death may pay 100 per cent of the cover amount, while loss of a limb may pay a fixed percentage.

AD&D insurance is often sold as a standalone policy or as a rider attached to a life insurance plan.

How to Choose the Right Policy for Yourself

Your personal needs, lifestyle, and financial goals will determine whether you should get life insurance or accidental death (AD&D) insurance.

A life insurance policy is essential if your main goal is to protect your family's future. It will provide coverage for death caused by illness, natural disaster, or accident. After your death, the payout will help your family pay their bills, pay off debts, and reach their long-term goals.

On the other hand, accidental death or personal accident insurance plans are more specific. These plans provide financial help only in the event of death, permanent disability, or serious injuries due to an accident. These plans are great for people who travel a lot, drive to work every day, or work in areas where accidents are more likely.

In other words, these plans complement each other. Term insurance is the most important part of your financial protection, and personal accident insurance gives you even more peace of mind. Buying both together gives you more protection and peace of mind.

Wrapping It Up:

Life insurance and AD&D insurance serve different purposes. Life insurance protects your family's future from all kinds of risks, while AD&D insurance protects you against accidents in particular. It can be dangerous to rely solely on accident coverage, especially since life can be so unpredictable. A good life insurance policy, with coverage for accidents if needed, is the best way to protect your loved ones from both the unknowns of life and accidents that happen by chance.

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FAQs

Q: Can You Have Both AD&D Insurance and Life Insurance?

Ans: Yes, you can have both policies together. A life insurance policy ensures your family is protected no matter what happens. An AD&D cover adds an extra layer of protection against accident-related risks.
Q: What AD&D Insurance Does Not Cover?

Ans: AD&D policies come with stricter exclusions. They usually do not cover:
Death due to illness or disease
Natural causes such as a heart attack or stroke
Self-inflicted injuries
Death under the influence of drugs or alcohol
War, terrorism, or hazardous adventure sports
If you rely only on AD&D insurance and death happens due to a medical reason, your family may receive nothing.
Q: Is it worth getting AD&D?

Ans: AD&D can be worth it if you want low-cost, extra protection for accidents. It only pays in specific situations, so it works best as a supplement, not a replacement for regular life insurance.
Q: Is AD&D part of life insurance?

Ans: No. AD&D is not full life insurance. It only covers accidental death or serious injuries, while life insurance covers death from most causes.

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˜The insurers/plans mentioned are arranged in order of highest to lowest Sum Assured(SA) offered by Policybazaar’s insurer partners offering term insurance plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI.

Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in

Rs. 400/month is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 400/month (Rs.13/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 230 is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 8/day is starting price for a 50 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 12/day is starting price for a 75 lakhs term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

+Rs. 497/month is starting price for a 1.5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 487/month is starting price for a 2 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 626/month is starting price for a 3 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 905/month is starting price for a 5 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. ₹361/month is the starting price for a ₹1 crore loan cover with an 8% interest rate for an 18-year-old male, non-smoker, with no pre-existing diseases, loan tenure up to 20 years, rounded off to the nearest 10

+Rs. 1,267/month is starting price for a 7 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

*The full refund of premium is available on availing the one-time option of refund of premium. Total premium paid for policy (paid for add-ons) will be the special exit value, payable on availing the one-time option of refund of premium if you wish to completely exit the policy.

+Rs. 447/month is starting price for a 1 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs.679/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 910/month is starting price for a 3 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,374/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

+Rs. 1,924month is starting price for a 7 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 30 years of age.

Women

+Rs. 400/month is Starting price for a 1 crore term life insurance for an 18 year-old Female, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

Rs. 461/month is the starting price for a 1 crore term life insurance for an 24 year-old female, non-smoker, with no pre-existing diseases, cover upto 54 years of age.

1,642/month is the starting price for a 1 crore term life insurance for an 44 year-old female, non-smoker, with no pre-existing diseases, cover upto 74 years of age.

Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited

We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881

For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale

Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.

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