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)

Quote:

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Originally Posted by Sanjay

Personal Accident Insurance
You can buy IFFCO-TOKIO’s ‘Individual Personal Accident Insurance Policy’ or New India’s ‘Personal Accident Policy’).

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 -

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I saw this text on the webpage you mentioned:

Education Fund
In the event of death, permanent total disablement
i.e. 1 to 4 of “Table of Benefits” of Insured Person,
we will approve compensation towards Education
Fund for dependent children as below:
a) For one child upto the age of 23 yrs.

b) For more than one children upto the age of 23
yrs.
-10% (Ten percent) of C.S.I Subject to a maximum of Rs.
5000/-
-10% (Ten percent) of C.S.I Subject to a maximum of Rs.
10000/-
E. Loss of Employment
In the event of accident leading to loss of
employment as a consequence of 2, 3 and 4 of
Table of Benefits.


- Rs. 15000 or 1% of CSI whichever is lower.


From preliminary analysis at least the education fund is maximum Rs. 5000/- or Rs. 10,000/- which can hardly be called a compensation.

It perhaps is a marketing gimmick.

I seek the opinion of experts on this point.

Regards,

Veerendra

Main purpose is to cover the Personal Accident other things are additional benefits.