Janta Personal Accident Plan – If the insured person sustains bodily injury solely and directly as a result of an accident that was caused by outwardly violent and visible means, the insured person is eligible for specific benefits under this policy. It covers all unfortunate events, including death, disability, and severe bodily injury, providing the insured with complete protection in these situations. An insurance policy called Janata Personal Accident Insurance provides protection to people of all occupations and income levels. Any person who is between the ages of 10 and 70 is covered by the policy. The insured is covered in the event of their death or permanent disability under the policy. The policy is also available to members of the scheme’s pre-listed groups.
Janta Personal Accident Plan 2024 is a comprehensive insurance plan that provides protection in the event of an accident. Designed specifically for small businesses, Janta offers a range of benefits and features that are perfect for owners and managers of businesses of all sizes. In this blog, we’ll take a look at some of the key features of the Janta Personal Accident Plan 2024 and discuss how it could benefit your business. We will also provide tips on how to get started and get the most out of the plan.
Janta Personal Accident Plan 2024
India’s oldest and most established general insurance provider is National Insurance Company Ltd. It was established in December 1906 with the intention of providing India with a national identity in its struggle for Swaraj. After 66 years, it merged with 21 international businesses and 11 Indian businesses to form National Insurance Company Ltd. is one of the four subsidiaries owned by the Indian Government of the General Insurance Corporation of India.
NIC was the first insurance company in India to introduce Farmers Package Policies for the agrarian market and Techno Marketing Project Cells for businesses, each of which was tailored to meet the specific investment goals of rural India and corporations. In addition, it is the first company to collaborate with automobile manufacturers such as Hero Moto Corp. and Maruti, among others. In addition, NIC launched Bancassurance in India by partnering with some of India’s most prominent financial institutions.
Details Janta Personal Accident Plan 2024
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| Category | Insurance |
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All About Janta Personal Accident Plan
The National Janata Personal Accident Policy focuses on providing coverage for individuals and their families in the event of death, permanent total disability, or permanent partial disability. This plan covers adults who are at least 18 years old, while the entry age for children is 10 years old. The National Janata Personal Accident Policy covers people up to the age of 70. The duration of the policy varies from one year to five years.
The amount that is covered starts at Rs. Rs. 25,000 up to a maximum 1 lakh per year. Rs. is the premium rate. 15 for every Rs that is insured. 25,000. As a result, the premium will go up by Rs. 15 percent for each additional Rs. 25,000. The number of group members can be used to get discounts on policies.
Also Read-Reliance General Personal Accident Plan 2024
Features of Janata Personal Accident Insurance Policy
With Janata personal accident insurance, you can be sure that you and your loved ones are protected in the event of an accident. In this blog post, we’ll take a closer look at the key features of this policy and explain what makes it a valuable addition to your insurance portfolio. We will also discuss the benefits of Janata personal accident insurance and how it can help you protect yourself and your family.
Primary Covers
- Accidental Death
- Permanent Total Disablement
- Permanent Partial Disablement
- Temporary Total Disablement
Additional Covers
- Repatriation Benefit and Funeral Expenses
- Accidental Hospitalization
- Accidental Medical Expenses
- Hospital Cash Allowance
- Family Transportation Allowance
Scope of Cover
| Cover | Sum Insured |
| Death due to accident | 100% of S.I |
| PTD due to accident | 100% of S.I |
| Loss of 1 eye or 1 limb | 50% of S.I |
| Loss of 2 limbs,1 eye and 1 limb or 2 eyes | 100% of S.I |
Check Also-Royal Sundaram Personal Accident Plan 2024
Furture Generali Janata Personal Accident Insurance Policy Benefits
| Event | Percentage of Sum insured |
| Accidental Death | 100% |
| Permanent Total loss of sight of both eyes | 100% |
| Permanent total loss and physical separation of or the loss of ability to use one hand and one foot | 100% |
| An arm at the shoulder joint | 75% |
| An arm above the elbow point | 70% |
| A hand at the wrist | 50% |
| A thumb | 25% |
| A leg up to the beneath knee | 50% |
| An Index Finger | 10% |
| Any other finger | 5% |
| A leg up to mid thigh | 60% |
| A leg above mid-thigh | 75% |
| A leg up to beneath the knee | 50% |
| A leg up to mid-calf | 45% |
Janata Personal Accident Insurance Policy Details
With Janata personal accident insurance, you can be sure that you and your loved ones are protected in the event of an accident. In this blog post, we’ll take a closer look at the key features of this policy and explain what makes it a valuable addition to your insurance portfolio. We will also discuss the benefits of Janata personal accident insurance and how it can help you protect yourself and your family.
Sum Insured: Maximum= Rs.1,00,000
Minimum= Rs.25,000
Time for a Free Look: In the case of an Individual Janata Personal Accident policy, the insured will have at least 15 days from the date the policy is received to review the terms and conditions and return them if they are unsatisfactory.
Portability: Members who are covered by a non-life insurance company’s Group Janata personal accident policy have the option to switch to the same insurer’s Individual Janata personal accident policy.
Termination: The policyholder must give written notice to the company within 15 days if they wish to cancel the policy. After keeping the premium, the company will refund the balance, which will be calculated as follows:
| Policy period not exceeding | % of annual rate |
| 1 month | 25% |
| 3months | 40% |
| 6months | 75% |
| 9 months | 90% |
Read More-SBI General Personal Accident Plan 2024
Future Generali Janata Personal Accident Insurance Discount:
Discount percentage for favorable claim ratio
| Incurred Claim ratio under the Group Policy | Discount Percentage (%) |
| Up to 20% | 20% |
| 21%-35% | 15% |
| 36%-50% | 10% |
| 51%-60% | 5% |
Exclusions in Janata Personal Accident Insurance Policy
Are you confused about what is and isn’t covered by your Janata Personal Accident Insurance policy? Don’t worry, we can help! In this blog post, we’ll explain the different types of exclusions and how they may affect your coverage. We will also provide tips on how to determine if an exclusion applies to you and what you should do if it does. By understanding the exclusions in your policy, you can be sure that you’re fully protected in the event of an accident. So, read on to learn more about what is and isn’t covered by your Janata Personal Accident Insurance policy.
- Intentional Self Injury
- Participation in motor racing or trial run as a driver, co-driver or passenger
- Pregnancy, and childbirth, miscarriage, abortion or complications any arising out of these
- Nuclear Energy, Radiation
- Any expense incurred which is not exclusively medical in nature
- Unproven or Experimental treatment of any description
- Under the influence of drugs, alcohol & other intoxicants
- Loss due to child birth or pregnancy
- Participation in felony, riots, war etc.
- Medical expenses or surgery expenses
Eligibility Criteria For Future Generali Janata Personal Accident Insurance:
- Minimum Age-18 years
- Maximum Age-70 years
- Dependent children from age 10 years to 25 years.
Check Also-Shriram General Personal Accident Plan 2024
Documents Required to Buy Janata Personal Accident Policy
If you’re planning on buying a personal accident policy for yourself or your employees, you’ll want to make sure you have the appropriate documents handy. In this blog post, we’ll outline the essential documents you’ll need to provide and how to obtain them. We will also provide tips on how to make the process as smooth and easy as possible for you. So whether you’re looking to buy a policy or update your existing one, this blog post has everything you need to know.
Following is the list of documents required to purchase National Janata Personal Accident Policy
- Proposition structure, properly topped off with precise subtleties
- Evidence of Personality (PoI), self-validated at the hour of accommodation
- Evidence of Address (PoA), self-bore witness to at the hour of accommodation
- Evidence of Pay, self-bore witness to at the hour of accommodation
- Identification size photos
Accepted Proof of Address and Identity are:
- Aadhaar card
- Passport
- PAN card
- Driving License
- Ration card
- Certificate of Birth issued by the Registry of Births and Deaths (RBD), or from a Municipality, as per the provisions of the RBD Act
- Matriculation or School-leaving or Transfer Certificate
- EPIC (Electoral Photo Identity Card) issued by the Election Commission of India
Janata Personal Accident Policy: Policy Renewal Process
Do you need to update your Janata personal accident policy? If so, there are a few important steps you need to take to ensure a smooth renewal process. In this blog post, we’ll outline the process for renewing your Janata personal accident policy, including the required documents and how to submit them. We’ll also provide tips on how to make sure your renewal goes as smoothly as possible, so that you can continue to protect yourself and your loved ones in the event of an accident.
How to Renew National Janta Accident Policy?
- Visit the authority site of Public Insurance Agency and select the ‘Public Janata Individual Mishap Strategy’ choice
- Notice your Public Insurance Contract number in the given space, alongside any remaining applicable subtleties
- Pick your favored installment strategy from the accessible choices – Charge Card, Mastercard and Net Banking
- An affirmation will be created and shipped off your enrolled contact number or potentially email ID, telling you about the fruitful restoration of your Public Protection wellbeing plan
Conclusion
Janta Personal Accident Plan 2024 is a comprehensive insurance plan that provides protection in the event of an accident. By purchasing this plan, you can enjoy a number of benefits, including access to emergency medical services and compensation for financial losses. In addition, the plan is easy to buy and renew, making it a great option for those who are constantly on the go. If you’re looking for peace of mind in the event of an accident, be sure to check out Janta Personal Accident Plan 2024.
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