PA and Permanent Disability insurance policy

POSTED BY nitin tiwari ON March 19, 2014 5:19 pm COMMENTS (4)

Hi Manish, wast just going through an old article on PA and PD insurance . Please suggest which one is better in terms of coverage and flexibilty ?

4 replies on this article “PA and Permanent Disability insurance policy”

  1. Raja says:

    Check HDFC Ergo personal accident policy

  2. nitin tiwari says:

    Many thanks for Revert.

    I am looking for a cover of 50 lakhs , with complete coverage on accident death , Permanent disability and other kinds of disability.

    Looking back at the article posted in 2011 , i reffered to Bajaj allianz as an option however this policy seems to be a little complex as they are mixing wider with comprehensive which has limit of 5 lakh.

    Thus i would request you to please sugget an ideal policy , which has more emphasis on diability factor rathre than death ( as i already have term insurance to cover).


  3. ashalanshu says:

    Dear Nitin, can you elaborate your requirements?



  4. Raja says:

    Both cover different things and are mostly offered in conjunction in any policy

    PA – Death due to accident
    PD – Permanent disability due to accident. Definition of permanent disability might differ as per insurers

    There is no question regarding which is better, both have their own importance

    Lot of policies available online which offer this coverage

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