Janata Personal Accident Insurance Plan

1. Policy type- Individual and group
2. The policy offers cover for death and permanent disability of the insured caused by an accident
3. Any individual who is an Indian resident and is between the age of 10 years and 70 years regardless of their profession or occupation
4. The policy will pay the death benefit to the nominee
5. It offers a discount of 30% on the group policies depending on the size of the group
6. The policy offers a 20% discount on long term policies
7. It provides compensation on permanent total disablement of the insured caused by an accident
8. It provides compensation on permanent partial disablement of the insured caused by an accident
9. The policy operates worldwide and offers 24 hour cover
10. The sum payable under the policy does not carry any interest
11. Hassle free application process
12. Minimal documentation

Coverage Under Janata Personal Accident Insurance

Listed below are the factors that are covered under the life insurance policy and the percentage of compensation provided for them

1. Death of insured- 100% of the sum insured
2. Loss of two limbs, two eyes or one eye and one limb- 100% of the sum insured
3. Loss of one limb or one eye- 50% of the sum insured
4. Permanent total disablement- 100% of the sum insured

Exclusions Under Janata Personal Accident Insurance

Listed below are the exclusions or factors that are not covered under the policy

1. Suicide or attempt to suicide
2. Injury caused by self harm
3. Death due to pre exisiting disability
4. Death due to the consumption of drugs or alcohol
5. Death due to a mountaineering accident
6. Death while racing on a vehicle
7. Death due to insanity
8. Death due to war or nuclear attack

How to purchase Janata Personal Accident Insurance scheme?

1. Collect the pre printed proposal form online or at one of the banks that offer the policy or at the National Insurance Company office
2. Fill up the form with accurate details
3. Submit the form
4. Premium estimate will be provided to the proposer
5. Policy will be issued to the customer