Personal Accident Insurance: In case of accidental death, permanent disability, partial disability, the insured person gets the sum assured. Its premium is very less. For a sum assured of Rs 10 lakh, the premium is around Rs 1,000-1,200. However, the premium amount may vary depending on the variety of cover. But, despite the low premium, people do not consider it necessary to buy it. Whereas every year many families have to face problems due to death or disability due to accident.
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