Liberty Janta Personal Accident Policy

Janta personal accident policy designed by Liberty Health In ...Read More

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Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.

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Sharan Gurve has spent over 9 years in the insurance and finance industries to gather end-to-end knowledge in health and term insurance. His in-house skill development programs and interactive workshops have worked wonders in our B2C domain.

Updated on May 28, 2026 4 min read

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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Liberty Janta Personal Accident Policy Specifications

To understand Liberty Janta Personal Accident Policy Insurance in detail, take a look at the below table:

Entry Age

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

Policy Type

Accident Health Insurance

Sum Insured

NA

Initial Waiting Period*

30 Days

Renewability

Lifelong

Policy Term

1 year

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Read more specifications in the brochure.

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Choose Your Liberty Janta Personal Accident Policy

With wide coverage options available, Liberty Janta Personal Accident Policy Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:

In-patient & Out-patient coverage

Room Rent

Not Covered

ICU Charges

Not Covered

Pre-Hospitalization

Not Covered

Post-Hospitalization

Not Covered

Domiciliary Hospitalization

Not Covered

Daycare Treatment

Not Covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Not Covered

Cataract

Not Covered

No Claim Bonus

Not Covered

Automatic Restoration

Not Covered

Daily Hospital Cash

Not Covered

Organ Donor

Not Covered

Maternity Cover

Not Covered

New Born Baby Cover

Not Covered

Alternative Treatments

AYUSH Treatment

Not Covered

IVF Treatment

Not Covered

Modern Treatment

Not Covered

Emergency Coverage

Ambulance

Not Covered

Air Ambulance

Not Covered

Compassionate Travel

Not Covered

Global Coverage

Covered

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Not Covered

Second Medical Opinion

Not Covered

Vaccination

Not Covered

Limitations

Co-payment

Not Applicable

Sub-limits

Applicable

What is Room Rent?

The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).

What are ICU Charges?

It is a special hospital department where patients with serious medical conditions are treated.

What is Pre Hospitalization?

Medical expenses incurred before hospitalisation of the policyholder.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

What is Domiciliary Hospitalization?

Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.

What is Daycare Treatment?

Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.

What are OPD charges?

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .

What is COVID-19 Treatment?

It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.

What is Automatic Restoration?

It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.

What is Daily Hospital Cash?

Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section deliveries.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Daycare treatment
What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)
What is a Modern Treatment?

Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

What is Compassionate Travel?

Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.

What is E-Consultation?

If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.

What is Co-payment?

In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.

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

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 Section 80D 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.

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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.

Explore other Liberty General Insurance

To cater to the different medical needs of an individual & their family, Liberty General Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Liberty General Insurance plans explore more:

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Liberty Secure Health Connect

Liberty Secure Health Connect

Secure Health Connect policy designed by Liberty Health Insurance offers comprehensive coverage with a wide range of sums insured from INR 2 lac to 15...

Unique Features

  • Wide Sum Insured Options
  • Stay-fit Perks
  • 6-hour Claim Assure

Liberty Secure Health Connect (Pros)

Liberty Secure Health Connect
  • Cataract
  • Covid-19 treatment
  • ICU charges

Liberty Secure Health Connect (Cons)

Liberty Secure Health Connect
  • Illegal activities
  • Alcoholism and drug abuse
  • Adventure sports

Liberty Secure Health Connect (Other Benefits)

Liberty Secure Health Connect
  • Ambulance cover
  • Health check-ups
  • Co-payment

Liberty Secure Health Connect (Eligibility Criteria)

Liberty Secure Health Connect
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 15 L

Accident Health Insurance

Liberty Janta Personal Accident Policy

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...

Unique Features

  • Personal Accident Cover
  • Worldwide Cover
  • Lifelong Renewability

Liberty Janta Personal Accident Policy (Pros)

Liberty Janta Personal Accident Policy
  • Personal Accident Cover
  • Worldwide Cover
  • Lifelong Renewability

Liberty Janta Personal Accident Policy (Cons)

Liberty Janta Personal Accident Policy
  • Pre-existing diseases not covered
  • Death or disablement due to war
  • Self-harm or suicide attempt

Liberty Janta Personal Accident Policy (Other Benefits)

Liberty Janta Personal Accident Policy
  • Loss of limbs
  • Loss of an eye
  • Complete loss of eyesight in both eyes

Liberty Janta Personal Accident Policy (Eligibility Criteria)

Liberty Janta Personal Accident Policy
  • Minimum: 18 Years
  • Child: 5 to 18 Years
  • Maximum: 75 Years

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Janta Personal Accident Policy: FAQs

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 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.

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