accidental death rider; accidental death benefit rider
Insurance term: a rider that provides additional payout in case of accidental death. Often abbreviated as AD.
I'm considering whether to add an accidental death rider to my life insurance.
If an accidental death rider is attached, the insurance payout is increased in the event of death by accident.
Compound of 災害 (disaster/accident) + 割増 (premium/surcharge) + 特約 (special clause/rider).