Types of Deaths Covered and Not Covered by Term Insurance

Natural Death or Illness-Related Death

If the policyholder dies due to a natural cause like a heart attack, cancer, stroke, or any other illness, the nominee will receive the death benefit—provided the policy was active and all premiums were paid.

Accidental Death

Term insurance typically covers death caused by road accidents, falls, drowning, fire accidents, etc. In fact, many insurers also offer an Accidental Death Rider that increases the payout in such cases.

Death Due to COVID-19 or Other Pandemics

Most insurance providers, including those listed on Jio Insurance Broking, have confirmed that COVID-19 related deaths are covered under existing term insurance policies.

Death During Natural Calamities

If the insured dies due to floods, earthquakes, cyclones, or similar events, term insurance policies generally offer coverage unless such events are explicitly excluded in the policy wording.

Death While Travelling

Death due to air crash (commercial airline), train accident, or even during international travel is covered as long as the insurer isn’t informed otherwise (e.g., high-risk travel zones).

Deaths Not Covered by Term Insurance

While term plans are comprehensive, there are exclusions. These are situations where your term insurance cover might not pay out:

Suicide Within the First Year

Most term insurance plans come with a suicide clause. If the policyholder dies by suicide within 12 months of policy commencement, the nominee will not receive the full death benefit. Some insurers may return the premiums paid (minus charges), but the claim will not be processed in full.

Death Due to Undisclosed Pre-Existing Illnesses

If the policyholder hides a medical condition at the time of policy purchase and later dies due to that condition, the insurer can deny the claim based on non-disclosure or misrepresentation.

Death from Participation in Hazardous Activities

Deaths resulting from activities like skydiving, paragliding, scuba diving, or racing may not be covered unless the insurer is explicitly informed and has agreed to cover such risks.

Death Due to Criminal Acts or Substance Abuse

If the insured dies while participating in illegal activities or due to drug/alcohol overdose, the claim may be rejected. This includes death while under the influence or during unlawful acts like theft or rioting.

Death in War or Terrorist Acts

Most term insurance policies exclude deaths occurring due to war, civil unrest, or terrorist attacks. However, this can vary by insurer and policy terms.

Why Reading the Fine Print Matters

One common reason for claim rejection is lack of transparency during the application process. It's crucial to:

• Disclose all health issues truthfully
• Mention hobbies or occupational risks
• Avoid hiding travel plans or lifestyle habits

Buying a term plan is not just about choosing a policy with the highest cover—it’s about choosing the right cover that aligns with your lifestyle and risk profile.

Jio Insurance Broking: Helping You Choose Wisely

With so many options in the market, it's easy to get confused. That’s where Jio Insurance Broking makes a real difference. The platform offers:

• Comparative analysis of term insurance plans
• Transparent policy details including exclusions
• Expert assistance to match your needs with the right insurer

Whether you're a young professional or a family man, Jio Insurance Broking ensures you’re not just buying a term plan—you’re securing peace of mind that actually pays off.

A term insurance plan is one of the most essential financial tools for your family's future. But knowing what’s covered and what’s not is equally vital. Ensure that your policy reflects your lifestyle, health conditions, and future goals. And when in doubt, consult with experts at Jio Insurance Broking to make a fully informed decision.

Because in matters of life and death, half knowledge can cost more than money—it can cost peace of mind.

Explore trusted term insurance plans at Jio Insurance Broking and take the first step toward smarter, safer financial planning.