100 % of sum insured in case of accidental death and 200 % of sum insured if death occurs while traveling as a fare paying passenger on a common carrier. (policybazaar.com)
A common carrier is a licensed vessel that's sole purpose is to transport fare paying passengers. (aigdirect.com)
In addition, most insurers will pay a higher death benefit if you passed away while a fare - paying passenger in a «common carrier» accident. (valuepenguin.com)