Going back to my previous question what is your requirement?

Now this covers only 9 diseases but provides accidental death/ permanent total disablement benefit.

However I have no clue as to how much that is.
It all depends how much you have taken the cover for:
Minimum Sum Insured -3 lakh
Maximum Sum Insured -12 lakh

So if we take this policy can we skip the routine personal accident policy.
In normal Personal Accident Policy you get following coverage:
1- Basic death and
2- Permanent Partial Disablement (PPD)
3- Permanent Total Disablement (PTD)
4- Temporary Total Disablement (TTD)

and also some add on like loss of livelihood.

Details about personal accident policies FAQs - read here.

But in the above plan you get limited cover, check the policy document for more details.