Janata Personal Accident Product

Brief Description :

Any person irrespective of sex, occupation and profession in the age group of 10 to 80 years may be covered under JANATA PERSONAL ACCIDENT POLICY.

Scope Of Cover
This insurance will pay to the Insured (or in case of death, to the assignee) 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
a. Death 100% of S.I.
b. Total and irrecoverable loss of sight of both eyes or loss of use of two hands or feet or loss of sight of one eye and loss of use of hand or foot. 100% of S.I.
c. Total and irrecoverable loss of sight of one eye or loss of use of one hand or foot. 50% of S.I.
d. Permanent total disablement due to accident 100% of S.I.


The policy may be issued for minimum sum insured of Rs.25,000/- per person per annum and the maximum sum insured is to be limited to Rs.5,00,000/- person per annum. Income proof is required if sum insured is more than Rs.3 lakhs.
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
1.Any existing disability.
2.Death injury or disablement due to intentional self injuries, suicide or attempted suicide.
3.Disablement or death under influence of liquor or drug.
4.Death or disablement during racing, shooting, big game hunting, mountaineering, ice hockey, winter sports. 
6.Breach of law with criminal intention.
7.War group of perils.
8.Nuclear group of perils.
1.Immediate notice to be given to the Policy issuing office.
2.Claim form to be submitted with medical certificate and bills.
3.For death claim, nominees should submit:
  • Death Certificate
  • Original Policy
  • Claim Form
  • Postmortem Report
  • Police Report, if complaint is lodged
4.Claims of persons presumed to be dead due to drowning may be settled after two years of the submission of the following documents :
  • Police report and final investigation report
  • Report of findings by Customs/Port Authorities
  • Affidavit duly notarized
5.Subject to above, claims of persons of fishing vessels which is missing or a total loss will be presumed dead and claim settled accordingly.