http://www.courierjournal.net/columnists/ask_the_attorney/article_f5d8f82c-d9cd-11e5-800c-9f0bd335cd69.html
Why you need accident insurance.
February 11, 2016 by
There are few takers for accident insurance, even though it comes relatively cheap. Given the spate of accidents, people are well advised to not ignore it.
What it covers: Any accident—slipping on the stairs, falling, breaking an ankle during a football match, receiving burns while bursting firecrackers on Diwali, or getting electrocuted by a faulty appliance. A comprehensive plan covers the poli- cyholder against all such perils.
Rider or standalone policy: Most riders with life insurance policies pro- vide only a basic accidental death and permanent disability protection. On the other hand, a standalone comprehensive policy covers various kinds of losses, including income loss, temporary disablement and hospitalisation.Also, the coverage offered by a rider is linked to the base sum assured and cannot exceed a certain level. Riders also cost more than standalone policies.