• National Insurance Janata Personal Accident Policy

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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    Responsiveness

    National Insurance Janata Personal Accident covers an identified group for death, permanent total and partial disablement.

    Features & Benefits of National Insurance Janata Personal Accident:

    Entry Age 10 years – 70 years
    Policy Period 1 year
    Renewability 30 days grace period is available for renewing the policy. There is no coverage provided for any incident occurring in the grace period.
    Discount Available as per the size of the group.
    Bonus Insured can avail 5% no claim bonus for every claim free renewal till it reaches 50% of the sum insured.
    Basis Available to the pre-identified groups. Individual and his dependent family member are covered.
    Sum Insured Rs.25,000 to Rs.1,00,000.
    Rate of premium Rs.15 for the sum insured of Rs.25,000. The sum insured is increased in the multiples of Rs.25,000 and premium is charged accordingly.
    Plan Benefits
    • 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.
    Coverage
    • 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.
    Exclusion
    • 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.

    The insured needs to nominate a person at inception of the policy, this is mandatory so that the insurer will make the required settlement with the nominee at an event of death of the insured. This health insurance policy is available for the pre-identified groups. There will be a bonus of 5% for every claim free year till it reaches 50% of the sum insured.

    Disclaimer: Please read and check the details of the policy to see if it meets all your requirements.

    Other Health Insurance Plans from National Insurance:

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

    National Insurance Janata Personal Accident Policy Reviews

  • Page 1 of 15 1 2 3 4 5
    • National Insurance Health Insurance
      "Very late back policy"
      0.5 3.0/5 "Satisfactory"
      My company people have taken health insurance policy to the employees. Once i have claimed the policy for my mother. The service is not good as per experience. They have a separate hospital list, in that they have mentioned cashless facility is available but when i went for those hospital, they said their is no cashless facility for this insurance. They will not response from the National Health insurance. The number will keep on ringing. After that my company asked me to send the bill. But i never done to this company. The claim is very low which is less than 20000.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 18, 2018
    • National Insurance Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've a health insurance policy from the National Insurance. I am paying the premium of 1400 per year. You can claim this policy at any network hospitals in the country. The need to nofity the customers about the partnered hospitals. If they have tie up with the a new hospital they need to send updates to the customers or publish it on their website.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 16, 2018
    • National Insurance Health Insurance
      "Good facilities"
      0.5 4.0/5 "Great!"
      My company has provided a corporate health insurance from National insurance. I have a coverage for five lakhs and the policy is for my family and I. They have also provided the insurance card and there are good facilities offered, though I have not used it till date.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 30, 2018
    • National Insurance Health Insurance
      "Average Service"
      0.5 2.0/5 "Expected more"
      I've a very bad claim experience with the national insurance company. They need to improve the way how hey respond to the claim request of their customer. Somehow finally I managed get the claim amount but it was tedious task to follow up with them regarding the claim.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 26, 2018
    • National Insurance Health Insurance
      "Claim experince was really good"
      0.5 5.0/5 "Blown Away!"
      I hold a health insurance with National insurance and the total policy coverage is for 3.5 lakhs including my family. There was a claim experience for my family and the experience was really good. The service from there end was really good.
      Was this review helpful? 0
      , kochi
      Reviewed on May 25, 2018
    • National Insurance Health Insurance
      "Good medical policy"
      0.5 5.0/5 "Blown Away!"
      I have the medicare health insurance policy from the NATIONAL INSURANCE for the past 7years. The customer support service and the response is good from the national . This policy covers 3member in my family. This policy ha the medical coverage up to Rs,2,00,000 per year. I can claim up to Rs,6000 per year per head,
      Was this review helpful? 0
      , kolkata
      Reviewed on May 21, 2018
    • National Insurance Health Insurance
      "Below average service"
      0.5 2.0/5 "Expected more"
      I got the mediclaim health insurance policy from the NATIONAL INSURANCE company around 2 years ago. The customer support service and the response is good from the NATIONAL INSURANCE but while it comes to claim experience they are not up to the mark . I have the medical claim up to Rs,2,00,000, but they are taking too much time to settle the claim amount. The process need to be quick and fast from the NATIONAL INSURANCE health insurance policy.
      Was this review helpful? 0
      , nasik
      Reviewed on May 21, 2018
    • National Insurance Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a health insurance policy with National Insurance from last 10 years, i am happy with the coverage value of this insurance policy. A premium of Rs 1400 has to be paid for this insurance policy. My claim experience was good and they covered 100% and the coverage amount is up to Rs 1 lakh
      Was this review helpful? 0
      , delhi
      Reviewed on May 17, 2018
    • National Insurance Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with National insurance from last 5 years, i am not aware of the premium amount as my company pays it. My claim experience was very good and there was no cashless treatment as the hospital was not listed. I have a coverage value of Rs 5 lakhs for this insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 11, 2018
    • National Insurance Health Insurance
      "Health insurance with National insurance"
      0.5 3.0/5 "Satisfactory"
      I hold a Corporate health insurance from National insurance. The policy coverage will be for 3 lakhs rupees. This policy have the coverage for my family as well. There is no claim experience till now. They do have cashless and reimbursement facility.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 25, 2018
    • National Insurance Health Insurance
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I have got the health insurance policy from the NATIONAL INSURANCE company around 8 months ago and this policy has been offered by company. This policy covers 3 members in my family which is myself , and my parents. This policy has the medical coverage up to Rs,20,00,000 and I paying the premium amount of Rs,320 every month.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 16, 2018
    • National Insurance Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance with National insurance from last 4 years, i am not aware of the premium amount as my company pays it. I do not have claim experience so far with this insurance and i have a coverage value of Rs 3-4 lakhs which is satisfactory.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 10, 2018
    • National Insurance Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a health insurance policy with National insurance from last 2 years and it is a good policy to use. I pay a premium of Rs 17000 which has to be renewed every year for this insurance. I do not have claim experience so far with this insurance and the coverage value for this insurance is Rs 2 lakhs.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Apr 06, 2018
    • National Insurance Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance with National Insurance from last 2.5 years and it is a good insurance policy to use. I am not aware of the premium amount as it is covered by the organization.I do not have claim experience and i have not taken any cashless treatment so far. I have a coverage of Rs 2 lakhs and i am satisfied with it.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 14, 2018
    • National Insurance Health Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      I took my health insurance with National Insurance through an agent. The policy coverage was 5L which covers the entire family. The customer service was not good. They don't respond properly. I don't have any claim experience. I am paying 11,000 rupees yearly through cheque.
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 13, 2018
    • National Insurance Health Insurance
      "Decent insurer"
      0.5 4.0/5 "Great!"
      I took my health insurance in National Insurance for last 3 years. As of now I don't have any claim experience. The policy was taken through family agent. The premium was decent and good compared to others. The policy coverage was 5L for the entire family. They have a good network of hospitals for the cashless treatment.
      Was this review helpful? 0
      , faridabad
      Reviewed on Mar 10, 2018
    • National Insurance Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken Health Insuarnce with National Insurance.I don't pay any premium as its paid by the company. The policy is including the family members.They cover ten lakhs.The procedure was completed in a day.The insurance company is tied up with best hospitals in my place.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 10, 2018
    • National Insurance Health Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have taken a health insurance from National Insurance. It was recommended by colleague. I have paid nearly 4000 to 5000 rupees. The policy covers only for me and its a plan of 3L. They have signification number of hospitalization for the cashless in my city.
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 09, 2018
    • National Insurance Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken Health Insurance with National Insurance,the premium amount is 1600 debited from my salary account.The policy coverage amount is including family members is five lakhs.I have taken this policy last eight years ago.I have claim experience its 100% covered cash less treatments.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 26, 2018
    • National Insurance Health Insurance
      "Its good health coverage policy"
      0.5 5.0/5 "Blown Away!"
      National has good hospital facility, they are recommending high profile hospitals with cash less treatment. I make premium around Rs. 4500 per year. Its covers only for me. Medical sum assured Rs. 1.5 lakh, I hope they are providing pre existing disease as well.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 20, 2018
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