Can I take accident riders on my existing policies?

[Veerendra]

PA policy depends on your annual income or buy term insurance

So you are actually suggesting is that we need to buy term insurance with an accident rider.

Proportionately claim amount is only paid to add ons of PA Policy. Please note always declare all the previous policies you have when taking new policy

I could not comprehend the meaning of this line. Kindly oblige by elaborating on this point

Veerendra