Mani-When we say accident insurance as a rider, then it comes with so many restrictions based on the base plan you buy from life insurance companies. By comparing premiums alone, you may feel that standalone accidental insurance may be costlier than the rider premium. However, when you look at the benefits the standalone accidental insurance offers then you understand the difference. Without going into any specific company product comparison, I suggest you to compare the rider features with standalone. You notice the difference.