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.
この傷害特約は、入院時の保障を手厚くするものです。
This injury rider provides enhanced coverage for hospitalization.
Compound of 傷害 (injury, accident) and 特約 (special clause, rider).