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Janata Personal Accident Policy
| Highlights |
- Any person irrespective of sex, occupation and profession in the age group of 10 to 70 years may be covered under JANATA PERSONAL ACCIDENT POLICY.
- The policy is available for minimum sum insured of Rs.25.000/- per person per annum and the maximum sum insured is to be limited to Rs.1,00,000/- per person per annum.
- The rate of premium is Rs.15 for a sum insured of Rs.25,000/-. The sum insured shall be increased in multiples of Rs.25,000 and premium is charged accordingly.
- The policy is also available for pre-identified groups as listed by the scheme. In case of a group policy group discounts are available as per size of the group.
- The policy is also available for a long term period up to 5 years.
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| Insurance Coverage |
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This insurance will pay to the Insured (or in case of death, to the nominee) the amount shown against the table of benefits, if the Insured shall sustain any bodily injury resulting solely and directly from accident caused by outward violent and visible means and such bodily injury within the twelve calendar months of its occurrence be the sole and direct cause of:
| Table of Benefits |
Sum Insured Payable |
| Death |
100% of S.I. |
| Total and irrecoverable loss of sight of both eyes or losses of use of two hands or feet or loss of sight of one eye and loss of use of one hand or foot. |
100% of S.I |
| Total and irrecoverable loss of sight of one eye or loss of use of one hand or foot. |
50% of S.I. |
| Permanent total disablement due to accident. |
100% of S.I. |
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| Major Exclusions |
- 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.
- Insanity.
- Breach of law with criminal intention.
- War Group of perils.
- Nuclear group of perils.
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| Documents for Effecting Insurance |
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| Claim Procedure |
- Immediate notice to be given to the Policy issuing office.
- Claim Form to be submitted with medical certificate and bills.
- For death claim, Nominee should submit:
- Death Certificate
- Original Policy
- Postmortem report
- Police report if complaint is lodged.
- Claims of person presumed to be dead due to drowning, will be settled after two years on the submission of the following documents:
- Police report and final investigation report.
- Report of findings by Customs / Port Authorities.
- Affidavit duly notarised.
- Subject to above, claims of persons of fishing vessels which is missing or a total loss will be presumed dead and claim settled accordingly.
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Note: The information given in this section is not exhaustive. For further details please contact our nearest office. The coverage, terms, conditions and exclusions of the policy are as per the respective policy clause.
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