災さい害がい割わり増まし特とく約やくMeaningsNoun1. accidental death rider; AD; accidental death benefit rider (insurance term)Kanji used災natural disaster害harm割divide増increase特special約promiseComposed of災さい害がいcalamity; disaster; misfortuneNoun割わり増ましextra (charge, fare, etc.); premium; bonus; (after a number) tenths increaseNoun特とく約やくspecial contract; special agreement; rider (insurance)Noun