High medical cover may cover my medical expenses, high term cover may give decent corpus to family
But, what if bloody I’m bed ridden long term or left disable? there should be cover for that too!
how should I go for this? Add-on’s on existing policies or go for separate policies?
Whatever I researched on internet I get feeling it is better to take a separate Accident+ Disability Insurance.
Like each insurance should target the main purpose and do not get into combining multiple goals.