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What is ING Accidental Death Disability and Dismemberment Rider?

It is add-on that can be attached to a Traditional ING Life Insurance Policy and provides enhanced coverage in case of accidental death, disability or dismemberment.

3 Reasons to buy this plan

1 Additional Lump sum amount in case of accidental death, disability or dismemberment
2 Can be attached to select new and existing ING Life plans
3 Tax saving on premium and benefit amount

Key Benefits

1. Additional Protection
An additional lump sum amount is paid in case of accidental disability, dismemberment or death.
2. No need to buy new plan
It can be attached to select ING traditional plans without any need of buying a new policy.
3. Tax Benefit
The rider provides for income tax rebate under section 80D and for benefit amount under section 10 (10 D).

How this plan works?

35 year old Ravindra invests Rs 2,892 p.m in ING Secured Income Insurance RP for 20 years for a sum assured of Rs 5 Lac. By just paying Rs 73 p.m. extra for ADDDB Rider, he gets additional protection of Rs 5 Lac against accidental disability, dismemberment or death. The benefits of this plan are shown below:

ING Life Accidental Insurance Policy

Premium shown is exclusive of service tax

Key Features

Minimum Age at Entry

18 years

Last premium paying age

65 years


Premium Payment Modes

Same as that of the base policy

Premium Payment Term

Same as of the base plan; Only regular pay allowed

Policy Term

Minimum: 10 years
Maximum: Till 75 age or outstanding PPT of base plan , which ever is earlier

Maximum Sum Assured

Lower of,

  • Rs. 20 lakhs or
  • Sum Assured of the base policy

 

Exclusions

This Rider shall not cover the death, disability or dismemberment of the Life Assured being caused directly or indirectly by any of the following:

  • Any disease or infection.
  • Intentional self-inflicted injury, suicide or attempted suicide, while sane or insane.
  • Life Assured being under the influence of alcohol, narcotics, psychotropic substances or drugs unless taken in accordance with the lawful directions and prescription of a qualified and registered medical practitioner.
  • War (declared or undeclared), war-like operations, invasion, civil commotion, riots or revolution.
  • Participation in any flying activity, except as a bonafide passenger in a commercially licensed aircraft.
  • Participation is a criminal or unlawful act.
  • Any injury sustained before the Effective Date of this Rider.
  • Participation in hazardous sports, hobbies or pastimes including (but not limited to) racing, parachuting, mountaineering etc.
  • Atomic energy explosion or radiation of any kind.

 

Maximum Cover Equal to the Sum Assured under the basic policy, subject to an overall maximum of Rs. 20,00,000/-

ING Accidental Insurance Plan  
Who should buy
Who should buy?
X

Who should buy?

Those who want to take additional protection at a nominal additional price.
Key features
Key Features
What is ING ADDDB Rider?

It is add-on that can be attached to a Traditional ING Life Insurance Policy >>

Key Benefits
Key Benefits
How does plan work
How this plan works?
Product Brochure
Product Brochure
Benefit Illustration
Terms & Conditions
3 Reasons
to buy this plan
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