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Just imagine that one fine morning, the sole breadwinner of a family wakes up to a deadly illness and he or she cannot go to work anymore. Sounds like a nightmare, right? Well, this is a scenario that can take place anytime and in any of our families but then there are still a number of households in which the personal accident covers are not taken. Now, this is a huge element of concern especially in a country like India because here the population, as well as the rate of an accident, is incredibly high. Many might say that they have a term insurance done but that is only fruitful when the person is no longer alive. But personal accident insurance helps a lot when the person is disabled and is not being able to work.:
Should a personal insurance cover be taken as a cover or a rider?
A rider means that you will have to take the cover with some other form of insurance and in this case, the amount of cover is restricted with the base premium amount. But if you take an individual cover, then there are lesser confinements and better benefits.
What are the policy features that are to be checked thoroughly?
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