I have kotak e-preferred term plan. I have taken this policy because they said Accidental Death Cover(ADB) is covered in policy. On sending mail about to confirm ADB I got two responses. according to one response Accidental Death is not covered and other response saying accidental death is covered.
It was my mistake, actually all term plan cover accidental death. ADB is different concept, ADB is additional amount with sum assured if policy holder’s death occurs due to accident.