What things I look in for the PA policy?

[Harish Rawat]

1.Take at least 10 times of your salary.

2.Always renew the plan every year, because its a one year plan.

[PolicyWala]

Just to add, what Harish Said-
1- Some policies are now 2-3 years, depending on the insurance company e.g. TATA-AIG, ICICI Lombard
2- Take policy from general insurance company, not as a rider to life insurance

[Expert]

Always take complete cover Death, Permanent Disability and Temporary Disability - PA policy. Avoid taking only death only cover. Most of the Life insurance PA rider only cover death cover.