Which is the best HOSPITAL CASH POLICY and the best CRITICAL ILLNESS policy

[Matrix]

LIC Jeevan Arogya is Hospital Cash Policy.

[Veerendra]

for e. g I found this text :
ICICI Lombard – Critical Care
(a) Diseases Covered – 9
(b) Who can buy - Any person aged between 20 years to 45 years
(c) Minimum Sum Insured -3 lakh
(d) Maximum Sum Insured -12 lakh
(e) Survival Period – No
(f) Waiting Period – 90 Days
(g) Other Points -
i – Accidental Death /Permanent Total Disablement (PTD) due to accident
ii – No health check-up required for policy issuance


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.

So if we take this policy can we skip the routine personal accident policy.

Regards,

veerendra