Accidents don t just happen on the roads. You may meet with one if you slip in your bathroom, Or trip down the staircase in your office, Or fail to view the next step in the darkness 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 plays a crucial role. In india, You have two major options to cover the risk from accidents. First, Are standalone personal accident insurance policies paip available with general insurance companies. Second, You can get regarded as a rider coupled with a life cover. Accident policies only cover bodily violent as the, And visible which are, Definition goes external, Injuries due to accidents. It covers you for four contingencies that may arise from an accident,, Death, Permanent total disability, Permanent partial disability, And temporary total disability. Like benefits from all buyers need, Insurance policies to understand how these contingencies are defined in the policy. When you go for select a, A paip comprehensive cover of the four contingencies even should you possess the possibility of two or, Covering one three of them. Make a crucial decision on your ideal insurance company 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