Accident Riders - Like other life insurance riders, the maximum accident cover under riders is 30 per cent of the sum assured. Since most life covers end at around age 65, the coverage from accident riders end with the base policy. Another important point to remember is that once the claim is made, lump sum amount will be paid in case of death or staggered payments made in case of permanent total disability— say 10 per cent of the rider cover annually over 10 years. In case you survive the accident, for most companies, the coverage effectively ends from the time you make the claim.

So as mentioned above please also go for Personal Accident Policy of General Insurance Company.