March 19, 2014 5:19 pm
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 ?
Check HDFC Ergo personal accident policy
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).
Dear Nitin, can you elaborate your requirements?
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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