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  • Janata Personal Accident Insurance Plan

    Janata Personal Accident Insurance is an Insurance scheme that offers cover to individuals regardless of their profession and income.The policy offers cover for any individual who is between the age of 10 years and 70 years. The policy offers cover for the death and permanent disability of the insured. Pre listed groups under the scheme can also avail the policy.

    Eligibility Criteria of Janata Personal Accident Insurance

    • Minimum age at entry- 10 years
    • Maximum age at entry- 70 years
    • Minimum sum assured- Rs. 25,000 p.a.
    • Maximum sum assured- Rs. 1,00,000 p.a.
    • Minimum policy term- 1 year
    • Maximum policy term- 5 years
    • Premium rate- Rs. 15 for a minimum sum assured of Rs. 25,000

    Features and Benefits of Janata Personal Accident Insurance

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

    • Death of insured- 100% of the sum insured
    • Loss of two limbs, two eyes or one eye and one limb- 100% of the sum insured
    • Loss of one limb or one eye- 50% of the sum insured
    • 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

    • Suicide or attempt to suicide
    • Injury caused by self harm
    • Death due to pre exisiting disability
    • Death due to the consumption of drugs or alcohol
    • Death due to a mountaineering accident
    • Death while racing on a vehicle
    • Death due to insanity
    • Death due to war or nuclear attack

    How to purchase Janata Personal Accident Insurance scheme?

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