I am a homemaker and I spend a majority of my time at home. Do I also need an individual personal accident policy?

Accidents cannot really be predicted and can happen to anyone. From motor accidents and rail accidents to natural calamities, the list is truly endless. It might seem scary to think of such eventualities, but you cannot let them intimidate you. Be financially prepared and opt for an individual personal accident insurance that can help you meet the expenses in case any crises were to arise in your life.