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Girish
04-01-2011, 02:55 PM
Do we have to buy personal accident policy - standalone or as a rider to other policies like life insurance, home insurance, office or shop insurance?

>take
04-01-2011, 04:36 PM
Do we have to buy personal accident policy - standalone or as a rider to other policies like life insurance, home insurance, office or shop insurance?
Always take separate PA policy. Read here -
http://www.policywala.com/showthread.php/573-Having-LIC-with-accident-rider

v.r.s.nathan
04-01-2011, 05:39 PM
It is advisable to buy a standalone personal accident policy because the rider generally does not have loss of income and other options attached to it. Personal accident cover would definitely be a better option due to lower premium rates.