Term Insurance and Personal Accident Insurence

Hi Sandeep,
1 - Kindly go ahead.
Read : Best Personal accident Insurance plans.
2 - Suggest you to opt for a basic cover. In case if your family has a history of any critical illness, you buy a stand-alone plan else you can opt for the rider. But kindly go through the rider terms & conditions thoroughly.
Read: ICICI Prudential's iProtect Smart Term plan Review.
Also, suggest you to buy an independent Health plan and do not depend entirely on your Employer's group cover.
Read:

• Evaluate these 11 key factors before buying a Health plan.
• Best Family Floater Health insurance plans.
• Best portals to compare health plans.
• Benefits of Super Top-up Health Insurance plans.

HI SreeThanks for your reply.I had already gone through all the blogs posted by you . I have Already purchased the health plan from Religare last year for 5L With Super NCB . I will Go ahead in buying IPA from Bajaj covering of 20L as it covers self and spouse.  -- My consideration to go with this is they cover Temporary disablement , most Policy doesn't have that benefit. can u pls clarify me on the below point Term Insurance from ICICI for 60L  self with critical Cover of 10 L This Policy comes as Waiver of premium on Disability . I will not Add AD Rider as i don't see any added advantage . My Family has Critical Ill ness History -- Which will be Better to OPT , Rider or Standalone CI policy . Thanks Sandeep

Dear Sandeep, Yes, iProtect plan offers 'waiver of future premiums on PERMANENT Disability'.  Suggest you to consider stand-alone CI policy. As suggested, kindly read and understand the policy wordings before buying a CI policy.