Dear all,

I am a self employed professional. I want to take a PERSONAL ACCIDENT POLICY for myself and my family. Please suggest which is the best policy.

* Is it possible to take personal accident policy with my brother in laws family also

* Are there companies who offer personal accident policies which are not dependent on the IT returns you file. As I understand the PA policies of PSU insurance companies depends on the IT returns you file. You can PA policies up to 100 times your monthly income.

* Are any companies offering “floater ” personal accident policies.

* I have SECURED FUTURE plan of Tata AIG. In case of any unfortunate accident the can the company from whom I take PA policy refuse compensation ( as I already have secured future plan of TATA AIG). I have also taken JANTA PERSONAL ACCIDENT POLICY from oriental insurance. Do these policies clash ?

* Are there any companies which offer PA policies for more than 1 year term.

I hope the forum answers all my questions.

Thanks in advance for all the inputs.

Regards,
Veerendra