Mr Basu, I have encountered one particular prob. Kindly guide. I have taken icici pru iprotect smart plan of 75 lacs s.a. With a premium of 7k per annum. I also want to take an accidental insurance cover. As per posts you suggest taking a seperate acc ins from gen insurance companies. As per my search it comes around 4k premium for 20 lacs s.a if i go wid new india assurance personal accidental cover. But for the same additonal cover of 4k i.e. 7k+4k=11k for icici pru iprotect i get an additional accidental cover of 50 lacs which den comes 75L+50L. So kindly suggest what should i do. I also want to know whether its better to diversify in terms of claim settlement or not.