Is term life insurance better than an accidental death policy?

Both term policy and personal accident policy are different in character and concept. While in term assurance policy, benefit is payable in the event of any eventuality of the policy holder, in personal accident policy benefits are payable when the insured is fatally injured on encounters unfortunate death. However, I would advocate taking both the policies (while the former is a life policy, the later falls under general insurance policy) as both are essential and attract lower premia.