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Janta Personal Accident Policy, designed by Liberty Health Insurance, caters to customers in rural India. The Janata Personal Accident Policy offers coverage against accidental death along with features such as:
The policy covers individuals and dependent children from the age of 5 to 18 years. This article provides essential details and features of the Liberty Janta Personal Accident Policy to help you understand the policy better.
| PLAN DETAILS |
Liberty Janta Personal Accident Policy |
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Bajaj Health Guard Plan |
| Product Type | Accident Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Not Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Not Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Not Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Not Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
6000 | 18400 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Not Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Applicable | Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Applicable | Applicable |
| Plan Entry Age | Minimum: 18 Years, Child: 5 to 18 Years, Maximum: 75 Years | 18 Years to Lifelong |
| Plan Premium Entry Age and S/A | NA | 5500 |
| Plan Waiting Period | 30 | 30 Days |
| Plan Coverage | Accidental death cover, Permanent total disability, Permanent partial disability, Loss of limbs or eyesight | - |
| Plan Sample Premium | NA | 5500 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 year | 1 | 2 | 3 Years |
| ICU Charges | Not Covered | Covered |
| Covid-19 Treatment | Not Covered | Covered |
| Cataract | Not Covered | Covered |
| Automatic Restoration | Not Covered | Covered |
| Ayush Treatment | Not Covered | Covered |
| Modern Treatment | Not Covered | Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Covered | Not Covered |
| Claim Ratio | 97.64 | 99.23 |
| Solvency Ratio | 1.75 | 3.25 |
|
Liberty Health Insurance |
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