Liberty Personal Accident Policy
  • Personal Accident Cover
  • Worldwide Cover
  • Lifelong Renewability
Liberty Health Insurance
premium

Network hospitals

5000+

premium

Incurred claim ratio

74.17%

premium

Sum insured

Up to 1 CR

premium

No. of Plans

5

premium

Solvency Ratio

3.0

premium

Pan India Presence

110

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

5000+

premium

Incurred claim ratio

74.17%

premium

Sum insured

Up to 1 CR

premium

No. of Plans

5

premium

Solvency Ratio

3.0

premium

Pan India Presence

110

Liberty Janta Personal Accident Policy

Janta personal accident policy designed by Liberty Health Insurance is designed specifically to cater to customers settled in rural India. The Janata personal accident policy offers coverage against accidental death along with features such as

  • Loss of limbs
  • Loss of a Limb and an eye
  • Complete loss of eyesight in both eyes
  • Loss of sight of one eye, or total and irrecoverable loss of use of a hand or a foot
  • Permanent Total Disability due to Accident

The policy covers individuals and dependent children from the age of 5 years to 18 years. In this article, we have mentioned all the essential details and features of the Liberty Janta Personal Accident Policy to help you better understand the policy.

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Janta Personal Accident Policy At A Glance

Plan Type Individual/Family Floater
Grace Period 30 Days
Renewability Lifelong
Network Hospitals 5,000+
Free-Look Period 15 Days

Read more specifications in the brochure.

Benefits of Janta Personal Accident Policy

With Liberty’s Janta personal accident policy the insurer provides a multitude of benefits and advantages to the customers listed down below

  • Tax Benefits
    All the premiums paid towards Liberty Janta personal accident policy plan will be eligible for tax benefits under the Income Tax Act of India.
  • Worldwide Coverage
    The plan safeguards you and your family within the country and internationally. Liberty Janta Personal Accident Policy offers coverage to its customers across the globe regardless of their geographic locations.
  • Cover your family members
    Under Janta Personal Accident Policy, the plan covers dependent children from 5 to 18 years. However, for adults, there are no maximum entry age criteria.
  • Lifelong Renewability
    Liberty Janta Personal Accident Plan offers lifelong renewability to the policyholders.
  • Online Purchase
    Customers can purchase Janta Personal Accident Policy online by visiting the official website of Liberty Janta Personal Accident Policy.

Eligibility Criteria For Janta Personal Accident Policy

Entry Age

Minimum: 18 Years Child: 5 to 18 Years
Maximum: 75 Years

Policy Tenure

1 Year

Relationships Covered

Self, dependent children

Coverage

Worldwide

What Is Covered Under Janta Personal Accident Policy?

Janta Personal Accident Policy offered by Liberty Health Insurance offers coverage majorly for personal accidents along with other physical; damages sustained by the customer in case of an accident.

  • Accidental Death is covered by Janta personal accident policy wherein if the insured individual sustains any bodily Injury resulting solely and directly from an accident caused by external, violent, and visible means, then the Company shall pay to the Insured Person, his or her Nominee the capital sum insured.
  • In case an individual suffers a permanent total disability wherein there is a loss of Limbs (both hands or both feet or one hand and one foot), Loss of a Limb and an eye, Complete and irrecoverable loss of sight in both eye or Permanent Total Disability due to Accident the company covers 100% of the capital sum insured
  • According to the policy conditions and coverage terms, the insured individual is covered against Permanent Partial Disability.

What Is Not Covered Under Janta Personal Accident Policy?

There are a few exclusions under the Janta Personal Accident Policy and customers must read them carefully as written in the policy document in order to make a better decision for their family and self

  • Death or disability resulting directly or indirectly caused by contributed to or aggravated or prolonged by childbirth or from pregnancy excluding ectopic pregnancy.
  • Any pre-existing condition/ disability / accidental injury
  • Expenses related to any treatment necessitated due to participation in hazardous or adventure sports
  • Any claim for death or disablement due to war
  • Any claim for death or disablement due to self-harm or suicide attempt

Janta Personal Accident Policy Cancellation

The policyholder may cancel this policy by giving 15 days written notice and in such an event, the Company shall refund the premium for the unexpired policy period. However, the insurer also has the power to cancel the policy on grounds of misrepresentation, non-disclosure of material facts, and fraud by the Insured Person, by giving 15 days written notice.

Other Liberty Health Insurance Plans

To cater to the dynamic healthcare needs of an individual and their family, Liberty Health Insurance comes with several plans.

Liberty Health Connect Policies

A plan designed to cover you and your family with 4 different variants to choose from Basic, e-connect, Elite, and Supreme. The plan offers a sum insured up to 15L.

Unique Features

  • Domiciliary Treatment Provided
  • Road Ambulance available
  • Avail Loyalty perks

Liberty Health Connect Supra

This plan is an additional benefit to your existing basic personal or family health insurance, offering financial cover over and above the basic sum assured in your policy.

Unique Features

  • 2 variants available
  • Up to 1 Cr SI
  • Avail optional coverage

Liberty Individual Personal Accident Policy

With Individual Personal Accident Coverage, the insured can recover loss from treatment, income & related expenses.

Unique Features

  • Avail optional coverage
  • Child education support available
  • Life support assistance covered

Secure Health Connect Policy offers comprehensive coverage along with the flexibility benefits to reload the sum insured amount, daycare treatments, stay fit option, etc.

Unique Features

  • Hospital Daily Cash Benefit
  • Day care treatment covered
  • Cumulative bonus available

Janta Personal Accident Policy : FAQ

1. What are the eligibility criteria for Janta Personal Accident Policy?

The eligibility criteria for Janta Personal Accident Policy is as follows

  • Adults - 18 to 75 years
  • Children – 5 to 18 years

2. What is the policy tenure for Janta Personal Accident Policy?

The policy tenure for Janta personal accident policy by liberty health insurance is 1 year.

3. What are the coverage benefits offered to customers under Janta Personal Accident Policy?

As the name suggests the policy covers personal accidents along with other coverage terms like

  • Loss of limbs
  • Loss of a Limb and an eye
  • Complete loss of eyesight in both eyes
  • Loss of sight of one eye, or total and irrecoverable loss of use of a hand or a foot
  • Permanent Total Disability due to Accident

4. What are the terms for policy cancellation under Liberty Personal Accident Policy?

To cancel a policy the customer may provide a 15-day written notice, after that, the Company shall refund the premium for the unexpired policy period. However, the insurer also has the power to cancel the policy on grounds of misrepresentation, non-disclosure of material facts, and fraud by the Insured Person, by giving 15 days written notice.

5. How can customers renew their Liberty Janta Personal Accident Policy?

At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without a break in policy. Coverage is not available during the grace period.

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Simran Kaur Vij

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 3 years of experience in the industry. She may have all the answers to your insurance queries. With a background in Banking, she proactively helps her readers to stay on par with all the latest Insurance industry developments.