Buy a Life Insurance Plan in a few clicks

Now you can buy life insurance plan online.

Kotak Guaranteed Fortune Builder

A plan that offers guaranteed income for your future goals. Know more

Kotak e-Term

Protect your family's financial future. Know more

Kotak Assured Savings Plan

A plan that offer guaranteed returns and financial protection for your family. Know more

Kotak Guaranteed Savings Plan

A plan that offers long term savings and life cover. Know more

Kotak e-Invest

Insurance and Investment in one plan. Know more

Kotak Lifetime Income Plan

Retirement years are the golden years of life. Know more


Get a Call

Enter your contact details below and we will get in touch with you at the earliest.

  • Select your Query

Thank you

Our representative will get in touch with you at the earliest.

Disability Insurance Policy & Coverage

Getting disability insurance will offer you a regular flow of income so that you and your family can continue to lead the lifestyle of your choice. Click here to know more.

  • Nov 22, 2021

There is no greater blessing in life than returning home every day, safe and sound! While that is what we all want, the unpredictability of life cannot be accounted for, and this necessitates the purchase of term insurance.

Among the most often asked questions is, does life insurance cover disability? The answer is simple: you may add a disability rider to your term insurance policy, which would incorporate both term insurance with accidental disability rider as well as a total permanent disability rider. It is suggested that you acquire disability insurance in parallel to term insurance to leave no stone unturned in your efforts to protect the future financial stability of your family and yourself.

Considering the frequency of accidents in our country, everyone should consider a disability insurance policy in India to deal with any unforeseen events that may arise in the future. Read ahead to understand why you should consider adding a disability rider to your term plan.

Learn What is a Disability Rider

A disability rider covers the possibility of losing earnings owing to the inability to work due to a temporary or permanent disability. For example, suppose you are disabled as a result of an accident. In that case, this form of coverage can assist to compensate for a portion of your lost earnings, empowering you to deal with your healthcare or other daily expenses. It includes sick days and provides short and long-term disability compensation.

Disability Insurance Types

  • Short-Term/Temporary Disability
  • Temporary disability is a part of term insurance with accidental disability riders. Temporary or short-term disability refers to impairments that have occurred from birth or that have arisen as a result of an accident or illness. An average wait period for the short-term insurance coverage might run somewhere from zero to fourteen days. Short-term disability insurance coverage is only available for a maximum term of two years.

  • Long-Term/Permanent Disability
  • Permanent disability, too, is a part of total permanent disability rider in term insurance. It protects you against financial hardships that may arise from accidents or serious diseases causing irreparable permanent damage that force you to leave your job. It includes various illnesses, such as psychiatric conditions, cardiac problems, cancerous cell rips, and other related conditions. It is a form of insurance coverage with a grace period that can last from weeks to even months, offering lifelong coverage. One of the principal factors that are such a popular type of insurance is its flexibility.

    To conclude, getting disability insurance, whether as a standalone policy or as a disability rider on term insurance, is a requirement in today’s world. Getting disability insurance will offer you a regular flow of income so that you and your family can continue to lead the lifestyle of your choosing.

Kotak e-Term

Download Brochure


  • Life Cover till 85 years for Life & Life Secure Option
  • 3 Payout Options
  • Special Rates for Women
  • Option to exit the policy with premium refund at the age of 60*
  • Special Rates for Non-Tobacco Users
  • Free Medical Check Up every 5th year**

Ref. No. KLI/22-23/E-BB/2435


- A Consumer Education Initiative series by Kotak Life

Similar Articles

10 Ways to Get Your Kids Involved in Your Healthy Lifestyle

List of Critical Illnesses Covered in Health and Life Insurance Plans

Health Insurance Plan for Heart – What you Should Know on Symptoms and Diagnosis of Heart-Related Disease?

Is Health Insurance Non-taxable?

A Millennial's Guide to Health Insurance

What is OPD Cover in Health Insurance?

Everything You Need to Know About the Ayushman Bharat Health Insurance Scheme

3 Reasons Why Your Health Insurance Cover Could be Insufficient

Key Difference between Health Insurance and Mediclaim Policy

Key Factors that Decide Your Eligibility for Buying Health Insurance Plans

Health Insurance for Students Who Study Abroad

What is International Health Insurance? Meaning, Importance and Benefits

Which One is Better: Mediclaim or Health Insurance?

10 Preventative Measures for Diabetes

How To Choose A Good Health Insurance Plan?

Here's Why Cardiac Care Plan a Boon for Heart Patients

What is the Difference Between a Mediclaim Policy, Health Insurance and Term Insurance?

5 things to consider while renewing a health insurance policy

How To Appeal A Health Insurance Claim Denial

How to Choose a Right Health Insurance Plan?

5 Reasons to Buy Health Insurance in 2021

Insuring Against Accidents with an Accidental Death Insurance Rider

Things to keep in mind before buying a health insurance plan for diabetics

HIV+ Patients: Are They Covered by Health Insurance?

Here's Common Myths about Health Insurance

Health Insurance for Liver: What You Should Know About the Symptoms and Diagnosis of Liver Problems

Basics of Health Insurance

What Does Health Insurance Not Cover?

How much Health Insurance do you Require?

How Is Your Health Insurance Premium Affected By Age?

Seven Preventive Measures for Heart Related Illness

Top Five Institutes for Free Cancer Treatments in India

Guide on Fraudulent Health Insurance Claims in India

What Is the Restoration Benefit in Health Insurance Plan?

What is Difference between Day Care Treatment and OPD Treatment?

Health Insurance Plans for a Pre Existing Condition

Critical Illness Insurance: What Is It? Who Needs It?

What is the Right Age to Buy Health Insurance Policy?

What is the Persistency Ratio and Why Does it Matter to the Health Insurance Sector?

Open Heart Vs Bypass Surgery

Health Insurance Plans for Family

Why do Patients with Hypertension Need Health Insurance?

Section 80D: Everything You Need to About Income Tax Deduction for Medical Expenditure

Everything You Need to Know About Health Insurance for Parents

How to Transfer Your Health Insurance Cover Without Losing Benefits?

What is Telemedicine? All You Need To Know

Why You Must Disclose Your Pre-Existing Conditions When You Buy Health Insurance

How is Health Insurance Cost Calculated?

How Your Eating Habits Affect Your Health & How to Change Them

Insuring Against Disability With Disability Insurance Rider

How Important Is Health Insurance for Your Family?

What to Expect from a Health Plan Audit

Choosing Health Insurance for Senior Citizens

Health Insurance for Brain Tumour: What You Should Know on Symptoms & Diagnosis of Brain Tumour

Health Insurance vs Medical Insurance – How To Choose Between The Two

Important Things You Must Know About Accidental Insurance

The Importance of a Health Insurance Claim Ratio

Health Insurance Add-Ons: Know all About Health Insurance Riders

How do I Choose a good Health Insurance Plan?

कोविड -19 बूस्टर खुराक के दुष्प्रभाव

6 Reasons why you need to get a health insurance

Health Insurance Wellness Programs and Benefits

Here's are Top Reasons to Buy Health Insurance Plan in Your 20s

Why You Must Review Your Health Insurance Plan Every Year

Are You Covered for the Home Treatment Cost Under Your Health Insurance Policy?

Why medical test is important while buying a health cover?

Tax Benefits on Health Insurance Plans

Insuring yourself against Ill Health with a Critical Illness Rider

Why You Must Review Your Health Insurance Policy/ Plan Every Year?

What is BMI Calculator, And Why It is Important?

How Much Should I be Paying for Health Insurance?

What is Health Insurance? - Meaning and Types

Different Ways to Mentally Refresh After a Stressful Day

What are the Documents Required for Buying a Health Insurance Plan?

Why Spending Time with Friends is Essential for Your Mental Health?

Factors to Consider While Choosing a Health Insurance Plan for Your Parents

Health Insurance for Personal Accidents

Side Effects of Covid-19 Booster Doses

All You Need To Know About No-Claim Bonus In Health Insurance

Accidental Death Benefit Rider In Term Life Insurance

What Medical Expenses Can You Claim in Health Insurance Plans?

Benefits of Health Insurance You May Not Know About

Buying health insurance? Here's why it is important to disclose your pre-existing medical conditions

Does Cataract Surgery Come Under Health Insurance And The Cost Of Surgery In India?

What do Health Insurance Plans Cover?

Buying Health Insurance with A Pre-Existing Illness? Things You Should Know

How Much Of Health Insurance Is Tax Deductible?

Single Premium Term Insurance - Understand the Benefits

Tax Benefits of Health Insurance Plans

Health Insurance Plan for Cancer: What You Should Know on Symptoms and Diagnosis of Cancer

What are Health Insurance Premiums? How are they Calculated?

What Is the Restoration Benefit in Health Insurance?

Which health insurance is good for family?

How to Claim Tax Benefits on Medical Insurance Premium?

5 Reasons to Own Both Health Insurance and Term Insurance

Here's How Stress Can Increase Your Risk for Heart Disease

How to File Health Insurance Claims?

Here's how to transfer your health insurance online to different company

Why Should You Opt for Cancer Insurance?

Looking for Best Heart and Cancer Insurance Plans

Healthy Habits to Avoid Falling Sick During Monsoon

10 Effects of Fast Food on Your Body

Critical Illness Can Disrupt Family's Financial Goals and How Health Insurance Can be Useful

Investing In The Healthcare Sector

What Should You Opt for? Short Term or long Term Health Insurance ?

Tips to Reduce Your Health Insurance Premium