Ask an Expert - Your Personal Insurance Advisor

Dear Panchu Ram,

Since you already have a Personal Accident Plan, you can always go for another one and the best one would be Apollo Munich Personal Accident Plan

One should take an accident insurance policy when he wants to protect his family from an accidental injury that he might be prone to. For... Read More>>

Let me answer you one by one:

1. Yes, it would be considered as a pre-existing illness and the same would be excluded from your fututre policies. However, you MUST declare the same such that at least all other illnesses/diseases are covered from Day 1 and you are not rejected any other claim on the... Read More>>

Death Claim would surely be paid in case of death. However, if accidental death benefit rider has been attached, then additional accidental death benefit amount would be paid as well. 

To be on the safer side, one should take an accident insurance policy when he wants to protect his family from an... Read More>>

Dear Anil,

One should take an accident insurance policy when he wants to protect his family from an accidental injury that he might be prone to. For example, if he is actively participates in any hazardous sports like water rafting, mountain clinbing, etc and he thinks that he might meet with an... Read More>>

Dear Yogesh,



If you need Personal Accident Plans, you can opt for:



Apollo Munich Personal Accident Plan

Oriental Insurance Personal Accident Plan

National Insurance Personal Accident Plan

Term insurance is a life insurance policy where the benefit amount is paid on death of the policyholder. This has to be claimed by the nominee.



Personal Accident insurance is a policy from a general (non-life) insurance company where the main idea is to take care of expenses incurred for treatment... Read More>>

We can look at 2 different policies to meet your needs. One is where you want a Personal Accident Insurance Policy which pays a benefit amount for hospitalisation in case the policyholder meets with an accident. Such policies are offered by Non-life insurance companies in India. Some of the popular... Read More>>

Accident Insurance Policies are meant purely for Accidental Death and Disability and Dismemberment. This is most suitable for people who are accident prone or for those who's occupation is accident prone, like deep sea divers,mine workers, car racers, etc. It should also be availed by those who... Read More>>

One should take an accident insurance policy when he wants to protect his family from an accidental injury that he might be prone to. For example, if he is actively participates in any hazardous sports like water rafting, mountain clinbing, etc and he thinks that he might meet with an accident any... Read More>>