Personal Accident and Critical Illness policy

Please suggest some personal accident and critical illness policies for me.
my age is 35 years.

I do not want them as riders but as seperate policies.

regards

Personal Accident Insurance
You can buy IFFCO-TOKIO’s ‘Individual Personal Accident Insurance Policy’ or New India’s ‘Personal Accident Policy’(http://www.newindia.co.in/per-accd.asp).

IFFCO - Tokio’s PA policy also covers following additional benefits -
1.Education Benefit
2.Employment Benefit
3.Ambulance Benefit
4.Cumulative Benefit
You can also cover following extra benefits on payment of extra premium -
1.Medical Expenses
2.Cost of Supporting Items
3.Cost of Travel
More info check here - http://iffcotokio.co.in/individual_p..._accident.html

For Critical Illness -
I would go for the policy which is covering maximum disease -
ICICI Pru Life's Crisis Cover - 35 Diseases (VALID upto 70 years)
HDFC Standard's Critical Plan - 30 Diseases (VALID upto 65 years)

More Info read here - http://www.healthinsuranceindia.org/..._companies.asp

Thanks Sanjay for your response.

But, don't you think we should avoid health policies from Life insurance companies (ICICI Pru Life)

Regards

Quote:

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Originally Posted by vgupta_2002

Thanks Sanjay for your response.

But, don't you think we should avoid health policies from Life insurance companies(ICICI Pru Life)

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Any specific reason - why we should avoid health policies from Life insurance companies (ICICI Pru Life)?

Hi,

I am not sure but this is what i have read at many places.


Regards

Quote:

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Originally Posted by vgupta_2002

Hi,

I am not sure but this is what i have read at many places.


Regards

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Vgupta_2002 - Can you please point - where you have read this? So that it will help other readers.

I can't post a link here as I am a new member but still - http://articles.economictimes.indiat...life-companies

Quote:

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Originally Posted by vgupta_2002

I can't post a link here as I am a new member but still - http://articles.economictimes.indiat...life-companies

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vgupta_2002 - The link you have posted is talks about the Health Insurance and the query you have asked above is about 'Critical Illness Plan'.

General Insurer plans are costlier then Life Insurers
http://www.policywala.com/attachment...7&d=1308055760
Source -economictimes.com (http://articles.economictimes.indiat...eral-insurance)