What to look out for when getting a Personal Accident (PA) insurance plan?

I think you can take a look at this comparison article on different Personal Accident insurance plans! Personally I prefer something that covers a higher limit for TCM.

Sometimes, hospital cash benefits is useful not for you but more for your family, eg. If a wife (who doesn't drive) would like to visit her husband in hospital, she can take a grab, especially she might be carrying a lot of stuff, such as daily necessities for the husband.

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Perhaps for PA plans, we can look at coverage such as medical reimbursements and illness covered (eg. Hfmd)?