Oriental Health Janata Personal Accident Policy

A unique insurance plan that covers and provides for death and disability benefits for an individual. It is a pretty simple and vanilla plan from Oriental Insurance that allows an individual to have financial support for self and family in case of any death or disability caused by death. This health insurance policy offers coverage for loss of limbs, vision and death. The policy can be taken for year and renewed later.

Features of Oriental Insurance Janata Personal Accident Policy:

This policy is meant for individuals and can benefit the individual as well as the nominee(s). The basic features of the plan are listed below -

Eligibility age Entry ages for Individuals –
  • Minimum – 10 years
  • Maximum – 80 years
Basis Individual
Premium The premium amount is set at INR 15 per INR 25000 of Sum Insured, not including taxes and service charges. Based on the sum insured chosen, the premium amount can increase, the lowest being INR 15
Coverage The coverage includes only an individual life and will provide benefits accordingly in case of death and/or disability. The detailed scope of cover is as follows –
  • Death – 100 percent of Sum Insured
  • Complete loss of vision / loss of either two limbs / partial losses of vision and limbs – 100 percent of Sum Insured
  • Partial loss of vision or one limb – 50 percent of Sum Insured
  • Permanent total disability – 100 percent of Sum Insured
It is noteworthy that the above losses should be caused by accidents only
Policy term The policy is valid for one year and can be renewed till the time the age limits acceptable by the company are in force
Renewability Renewable every year subject to age limits
Sum Insured Could be from INR 25000 to INR 5 lakhs
Benefits 50% to 100% of Sum Insured in cases of Partial or Total Disability or Death
  • Any existing disability
  • Death injury or disablement due to intentional self-injuries, suicide or attempted suicide
  • Disablement or death under influence of liquor or drug
  • Death or disablement during racing, shooting, big game hunting, mountaineering, ice hockey, winter sports and/or the like
  • Insanity
  • Breach of law with criminal intention
  • War group of perils
  • Nuclear group of perils

*The information listed here is as per the latest data. You should read the policy documents carefully before making a decision on buying a health insurance policy.

Other Health Insurance Plans from Oriental:

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