Liberty Janta Personal Accident Policy

Overview

The Janta Personal Accident Policy, designed by Liberty Health Insurance, caters to customers in rural India. The Janta Personal Accident Policy offers coverage against accidental death along with the following features:

• 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 5 to 18 years of age. This article provides essential details and features of the Liberty Janta Personal Accident Policy to help you understand the policy better.

Janta Personal Accident Policy at a Glance

Benefits of Janta Personal Accident Policy

Liberty’s Janta Personal Accident Policy provides numerous benefits to customers:

• Tax Benefits

  Premiums paid towards the Liberty Janta Personal Accident Policy are eligible for tax benefits under Section 80D of the Income Tax Act of India.

• Worldwide Coverage

  The plan offers coverage globally, safeguarding you and your family regardless of location.

• Cover for Family Members

  The policy covers dependent children from 5 to 18 years. There are no maximum entry age criteria for adults.

• Lifelong Renewability

  The plan offers lifelong renewability to policyholders.

• Online Purchase

  Customers can purchase the policy online by visiting the official website of Liberty Janta Personal Accident Policy.

Inclusions

• Accidental Death

  If the insured sustains bodily injury from an accident caused by external, violent, and visible means, the company will pay the insured person or nominee the capital sum insured.

• Permanent Total Disability

  Covers 100% of the capital sum insured for loss of limbs, loss of a limb and an eye, complete loss of eyesight in both eyes, or permanent total disability due to an accident.

• Permanent Partial Disability

  Coverage as per policy conditions and terms.

Exclusions

• Death or disability resulting from childbirth or pregnancy, excluding ectopic pregnancy.
• Any pre-existing condition, disability, or accidental injury.
• Expenses related to treatment due to participation in hazardous or adventure sports.
• Claims for death or disablement due to war.
• Claims 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. The company will refund the premium for the unexpired policy period. However, the insurer can also cancel the policy on grounds of misrepresentation, non-disclosure of material facts, and fraud by the insured person, by giving 15 days' written notice.