National Insurance Janata Personal Accident Policy

30 days grace period is available for renewing the policy.

There is no coverage provided for any incident occurring in the grace period.

• Plan operates worldwide and has a 24 hours cover.
• Plan covers death, loss of limbs and eyes or one limb or one eye lost by accident.
• It also covers permanent total disablement.
• The policy can be ported to other insurer before 45 days of expiry of the policy.

• Accidental Death: 100% of the sum insured is covered, if the insured dies within 12 months after the accidental injury.
• Permanent Total Disablement: 100% of the sum insured is covered if the insured is permanently disabled.
• Permanent Partial Disablement: if the insured is partially disabled due to the accident within 12 months of the accidental injury, 50% of the sum insured is covered.
• If the insured has suffered an irrecoverable loss of sight in both eyes and loss of limbs or loss of sight in one eye and loss of one limb, he gets 100% of the sum insured.
• If the insured losses sight in one eye and losses one limb, he gets a coverage of 50% of the sum insured.

• Pre-existing disability is not covered.
• Intentional self-injury or attempt to suicide or suicide are excluded.
• Damages caused if the insured was under the influence of alcohol or drugs are excluded.
• If the insured is involved in racing on wheel, hunting big game shooting, mountaineering, winter sports, skiing and ice hockey, there won’t be any cover for the same.
• Damages caused by insanity and venereal disease.
• Breaching law with an intent to commit crime, the insured will not get any cover.
• Any injury caused due to war or radioactivity is excluded.