Sunday December 17, 2017
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Six dead, 18 injured in an accident in Himachal Pradesh

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Shimla:  At least six passengers were killed and 18 injured on Friday when a privately-owned bus skidded off the road and rolled down a gorge in Himachal Pradesh’s Kullu district, police said.

The vehicle met with the accident near Dalash, some 125 km from the state capital, in Ani tehsil, a police official said.

Eighteen injured people have been admitted to the nearby hospitals. Most of the dead and the injured were locals.

The death toll could rise as some of the passengers had received serious injuries in the accident, said the official.

Survivors said driver probably lost control over the vehicle while negotiating a curve.

Locals started rescue operations before the authorities could reach the spot.  (IANS)

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Know All About the Accidental Death Benefit Rider

The Benefit rider is eligible for tax benefits under Section 80C of the Income Tax Act and it can be attached to any policy, be it term plan or unit-linked plans

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Representational Image. Image source: www.lifeinsurancepolicyusa.com

It was just another Monday morning. As the clock struck 8, I kissed my one-year-old daughter, waved goodbye to my wife and set out to drive to work. Luckily for me, there wasn’t much traffic today. But as soon as I reached the highway, another car zoomed past me. The driver probably had to get to work early for a meeting with his boss. There was a “Baby-on-board” sticker at the back of the car which brought a smile to my face as thoughts went back to my daughter and the first time she called me “da-da.”

However, my thoughts were interrupted with loud horns and screeching of tires. The truck on the 2nd lane had suddenly swerved right and would have hit the car if the driver had not applied the brakes at the right time. Seeing what unfolded in front of my eyes in a matter of seconds shocked me. Soon a series of questions popped up in my mind – the answers to which were not so pleasant. Questions like – What if the driver of the car had not slammed the breaks which would have otherwise led to an accident? What about his baby? Even worse, what if it was me a little ahead who had met with the accident? Would my wife be able to take care of our one-year-old daughter on her own?

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In every four minutes, one person dies in a road accident in India, according to the NGO “Indians for Road Safety”. As per the data released by the Ministry of Road Transport and Highways, more than 1.45 lakh people lost their lives on Indian roads in 2015. Incidences of careless driving and uncertain terrains have made roads risky for a common man. Of course, under any such circumstances, the death of a loved one is a harrowing experience but with deep sorrow, the family will also need to deal with a financial crisis.

Here, the accidental death benefit rider proves beneficial for the family. A certain sum of money is paid over and above of basic sum assured to the nominee if the policyholder dies in an accident. For instance, Raj has bought a term insurance of Rs 50 lakhs and an additional accidental death benefit rider of the same amount. Now if Raj dies a natural death within the policy tenure, his nominee would be entitled to get Rs 50 lakhs. But if Raj dies in an accident, the nominee would get total Rs 1 crore.

Risks (Representational Image) Image source: livemint.com
Risks (Representational Image) Image source: livemint.com

Let’s understand what it entails.

Why should you buy the accidental death benefit rider?

How often do we see a family suffers financially because the breadwinner met with an accident? The jeopardy of permanent loss of income is devastating for the family. Therefore, it is highly recommended to buy an accidental death benefit rider so that in an event of death, the nominee gets an additional amount apart from the basic sum assured.

Further, this rider offers extra protection at a nominal premium rate. For instance, a 26-years old needs to pay Rs 7191 to get a life cover of Rs 1 crore under ICICI Pru iProtect Smart Plan. By paying an extra amount of Rs 472/month, he can enjoy triple benefits— terminal illness benefit + waiver of premium on disability + accidental death benefit.  In this way, he can give triple protection to his family.

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Moreover, this rider is eligible for tax benefits under Section 80C of the Income Tax Act and it can be attached to any policy, be it term plan or unit-linked plans.

Key Features of the Accidental Death Benefit Rider

Most of the insurers offer accidental death benefit riders with the following features:

  • Flexibility to choose premium mode as per own convenience—Single, Limited, and Regular Pay
  • Comprehensive protection till the end of the term of the main policy
  • Option to choose the rider either at inception or policy anniversary

What does it include?

For the purpose of payout, any accidental death caused by an external, unforeseen and violent force is covered under this rider. Also, such injury shall cause the death of the policyholder, generally within 90-180 days of the occurrence of the accident.

Exclusions

There are certain events which are not covered by accidental death benefit rider, and these are:

  • Attempted suicide or self-inflicted injuries
  • Engaging in aerial flights
  • Death of the life assured with criminal intent
  • Death due to participation in war or engaging in hazardous sports

Conclusion

The only thing certain about life is its uncertainty. We don’t know where life will take us, who will cross our way, and which direction we will be heading. But still, it doesn’t mean we should sit idle and let our destiny decide the next course of action.

Accidents bring along dire consequences and prove to be fatal for a family. It is true that we can’t control the uncertainty of life, but nothing can stand in the way of someone who is prepared to fight against all odds. So let’s become the master of our destiny and protect our family against any hurdles and surprises which this journey, called life, has in store for us.

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Real Life Bollywood: Man assumed Dead after Accident, returns Home after 7 Years in Rajasthan

It was a road accident that had separated Mr Yadav from his family and it was a similar mishap which brought them together

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Representational Image. A Military man. Image source: www.pinterest.com
  • Dharmveer Yadav met with a terrible accident 7 years ago, after which he was assumed to be dead
  • He returned home to the astonishment of his family and even his army unit
  • He says he met with another minor mishap which brought back his memory

In a very filmy twist, an army man, thought to have died nearly 7 years ago due to an car accident, re-appeared before his family in Alwar, Rajasthan, as a heartening surprise for everyone.

Dharmveer Yadav went missing on 27 November, 2009, in hilly Dehradun after a terrible car accident. The forces decided he had passed away after intense searches, and started providing a pension to the family from 2012.

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However, as fate would have it, Yadav faced another minor accident with a motorbike nearly a week ago in Haridwar, which miraculously brought back his memory. With the Rs. 500 that the motorcyclist gave him, Yadav then caught a bus back to Behror, his hometown.

Initially, Dharmveer’s father did not recognize him at the door. “After second or third knock, I realised that I was not dreaming and rushed to the door. I went numb after seeing my son who for us was dead. I could not even utter a word. My elder son and his wife also came and brought Dharmveer and me into the room. No one could believe that he had returned,” Kailash, also an ex-serviceman told DNA.

Alwar district Soldier Welfare Officer RP Yadav said he informed about Dharmveer’s return to his army unit. The unit will decide on what further steps need to be taken. Dharmveer says after the first accident, he was helped by locals, but he remembers nothing.

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Yadav’s whole family, including his wife and two daughters are on cloud 9 after their father returned home after such a long period of time. “It is a filmy story which I and my family have lived,” the elated father told DNA.

-prepared by Saurabh Bodas, an intern at NewsGram. Twitter: @saurabhbodas96

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Mystery Solved: Iconoclast Musician Prince died of accidental drug overdose, says Medical Test report

The death of Prince Rogers Nelson due to a drug called fentanyl alerts drug associations in the U.S

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Prince Rogers Nelson. Image source Wikimedia commons

The Midwest Medical Examiner’s Office in Ramsey, MN in US found the mystery behind the great musician’s death. Entertainer and Iconoclast in the true sense of the term, Prince’s death was due to drug overdose. The medical examiner said Prince Rogers Nelson, 57, self-administered a deadly dose of the synthetic opiate fentanyl by accident, a report released publicly on Thursday, June 2 said.

National Institute on Drug Abuse states, fentanyl, a schedule II drug, is typically used to “treat patients with severe pain.” As Minnesota Public Radio reports: “Fentanyl is one of the most dangerous opioid painkillers, said Dr. Charles Reznikoff, an addiction medicine specialist at Hennepin County Medical Center. “‘Fentanyl is what I call the Ebola of opioids. The reason I call it that is Fentanyl kills you quickly, very quickly, as opposed to many of the other opioids that take a long time and are less apt to kill you in overdose,’ Reznikoff said.”

Powder drugs. Image source Wikimedia Commons
Powder drugs. Image source Wikimedia Commons

“Seizures of fentanyl have increased significantly in the past couple of years. It’s one part of the country’s opioid epidemic,” says spokesman Lawrence Payne of Drug Enforcement Administration. Two-thirds of deaths in the U.S involved some kind of drug (opioids) as stated by Centers for Disease Control and Prevention. Payne also said that the Drug Enforcement Administration is seeing more and more fentanyl both alone and mixed with heroin.

A bottle of Heroin. Image source Wikimedia Commons
A bottle of Heroin. Image source: Wikimedia Commons

“From what we know, most heroin users are not aware of what they are consuming is in fact Fentanyl rather than heroin,” Payne told Carrie Johnson of NPR. “This can be attributed to a majority of the opiate-related overdoses we are seeing. The users are not accustomed to consuming such a powerful dose and most think it is the same dose of heroin rather than Fentanyl, which is 25 time to 50 times stronger.”

Prince’s overdose made him the most high profile victim of the opioid epidemic. Fentanyl is a prescription as well as a street drug, nobody knows how he (Prince) acquired this drug or why he was taking it.

Representatives from Prince’s office had contacted Dr Howard Kornfeld, nation authority on addiction, seeking help for the singer. The doctor immediately sent his son, but ultimately it was too late. Mr Andrew Kornfeld was among those who found Prince dead in the elevator at his Paisley Park compound.

by Vrushali Mahajan, an intern at NewsGram. Twitter: Vrushali Mahajan 

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