Accidental death benefit is a payment triggered when death meets the policy's definition of an accident and satisfies its conditions. It can be a standalone personal accident insurance benefit or a rider attached to life insurance. A death caused by illness generally does not qualify merely because it was unexpected.
A Nepalese policyholder should check restrictions involving occupation, hazardous activities, timing between accident and death, and exclusions. Do not assume this benefit replaces ordinary life insurance, which can cover a wider range of causes. The contract should specify whether the accidental payment supplements the basic death benefit.