Personal Accident Policy - standalone or as a rider to other policies?

[>take]

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...accident-rider

[v.r.s.nathan]

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.