Dear all,

I am an NRI ( Single earner in family of 3) looking for buying insurance online for following purpose-

1) For SELF : term insurance with Accident death cover + Critical illness/Permanent disability cover

2) For family ( Spouse/1 child)- Critical illness/Permanent disability cover.

For self being sole bread earner of my family, I am looking for maximum cover for Critical illness/Permanent disability. It seems no insurance company is clubbing both needs together under one insurance cover; besides PD is only applicable if it’s only related to accident. Besides most insurance are available only for residents. Does anybody has any suggestion?

Thanks

Arjan