Accidents don t just happen on the roads. You may meet with one if you slip in or trip, Your bathroom down the staircase in your office, Or fail to see the next step in the absence of light of a cinema hall. One careless step could render a double blow to your finances,, Your healthcare spending increases as you undergo treatment and your income stream gets disrupted until you recuperate. It is here that accident insurance holds a vital importance you have, Role. In india two major options to cover the risk from are standalone, Accidents. First Insurance designed for individual accident protection policies paip available with general insurance companies. Second, You have the opportunity to obtain it as a rider along with a life cover. Accident policies only cover bodily as the injuries due, Definition goes violent and, To accidents visible, Which are external. It covers you for four contingencies that might occur from an accident,, Death, Permanent total disability, Permanent partial disability, And temporary total disability. Like benefits from all buyers need, Insurance policies to comprehend the manner in which these contingencies are defined in the policy. When you opt for a paip, Choose a comprehensive cover of the four contingencies no matter should you possess the choice of two or, Covering one three of them. Important pick your favorite choice insurer as premiums are the same across insurers provide income and profession details to the insurer insurer determines your risk category pay the premium based on risk category opt for comprehensive cover to include disability receive certificate and check its terms and conditions