accident rider; injury rider
A supplementary clause added to a life insurance policy that provides extra coverage for accidents, injuries, or specified diseases.
I'm considering whether to add an accident rider to my life insurance policy.
This injury rider provides enhanced coverage for hospitalization.
A general term for a special clause or rider in a contract; 傷害特約 specifies it is for injury/accident coverage.
Life insurance; 傷害特約 is often attached to such a policy.
Compound of 傷害 (injury, accident) and 特約 (special clause, rider).