For PA Policy
Go for 10 times of your annual income. 28,00,000/- would be good cover for you.
If you are looking for cheapest option - use websites like - insurancemall.in, policybazaar.com etc.
Otherwise, you can check IFFCO-TOKIO, New India, ICICI Lombard and TATA-AIG.
Also check -
Exclusions of Personal Accident Policy?
For Criticall Illness Plan
What to check while selecting Criticall illness cover?
Any insurance cover is always good for future risks.Is it good desicion from my side or not?
Regards,
Rohan