The rider is available if the life assured is major i.e. has attained age of 14 years and is up to 55 years nearer birthday on the date of commencement/policy anniversary.

Minimum Sum Assured available under the rider is Rs 50,000 and maximum Sum assured is the basic policy sum assured or Rs 20,00,000 including cover under all previous policy of the company, whichever is lower. The benefit ceases on the policy anniversary on which the age of the life assured is 65 years nearer birthday or the maturity of the base policy whichever is earlier.

Premium payable for the rider is Rs. 0.85 per thousand Sum Assured

If the life assured meets with an accident before the policy anniversary on which his age nearer birthday is 65 years and the policy is in force and death is caused within 180 Days of any bodily injury sustained directly and solely from an accident caused by outward, violent and visible mean solely, and independently of all other cause of death, an additional amount equal to the rider cover is payable up to a maximum of  double sum assured or Rs.20,00,000 whichever is lower and if the life assured is totally and permanently disabled, 10% of the rider sum assured is payable every year of five years, followed by the balance 50% of the rider cover at the end of five years. If the base policy matures within the period of five years as aforesaid or death occurs meanwhile, outstanding installments will be paid in a lump sum. Once the claim for ATPD is settled and paid, the rider benefit is terminated and the base policy continues.

Total and Permanently Disability referred to hereinabove shall mean and include disability which arises out of accident as aforesaid and is of a nature which renders the life assured totally and permanently unable to earn any income from the data of accident onwards from any work, occupation or profession (independent of qualification, training and experience) and results into his/her.  

1. Inability to use both hands at or above the wrist or,
2. Both feet or above the ankle or
3. One hand at or above the wrist and one foot at or above the ankle or
4. Total and irrecoverable loss

Exclusions
The company shall not be liable to pay any benefit under this rider as started above if the disability or the death of the life assured is caused either directly or indirectly, voluntarily or involuntarily by:

1. Attempted suicide or self inflicted injuries, while sane or insane, or whilst the life assured was under the influence of any narcotic substance or drug or intoxicating liquor: or
2. Engaging in aerial flights(including parachuting and skydiving ) other than as a fare paying passenger on a licensed passenger – carrying commercial aircraft(being a multi-engined air craft) operating on a regular scheduled route: or
3. The life assured committing any breach of law: or
4. Engaging in hazardous sports/pastimes e g taking part in (practicing for) boxing, caving, climbing, horse racing, jet skiing, martial arts, mountaineering, off piste skiing, pot holing, power boat racing, underwater diving, yacht racing or any race, trail or timed motor sport: or
5. War whether declared or not or civil commotion: or
6. Any pre existing condition.