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Liberty Janta Personal Accident Policy vs Critical Illness Insurance Policy

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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.

PLAN DETAILS

Liberty Janta Personal Accident Policy


Critical Illness Insurance Policy

Premium Including GST
Product Type Accident Health Insurance Critical Illness Health Insurance
Key Features
(Key features of the plan)
  • Personal Accident Cover
  • Worldwide Cover
  • Lifelong Renewability
  • 10 Major Illnesses Covered
  • Choose Your SI
  • Avail Tax Benefits
OPD Details
(In some policies, OPD (Out patient department) expenses are also covered.)
- Not Covered
Room Rent
(A limit of room rent cover during hospitalization if any)
- Not Covered
Domicillary Hospitalization
(It is the expenses incurred on treatment of the patient at home)
- Not Covered
Pre-hospitalization
(Expenses before the insured is hospitalized)
- Not Covered
Post-hospitalization
(Expenses after discharge from the hospital)
- Not Covered
Day Care Treatment Covered
(Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.)
- Not Covered
Hospital_network
(Number of Hospital Network in city)
6000 9100
Organ Donor Expenses
(Expenses incurred on organ donor in case of organ transplants)
- Not Covered
Hospital Daily Allowance
(Some plans offer daily allowance to take care of expenses like food, etc)
- Not Covered
Ambulance Charges
(Expenses incurred on ambulance charges)
- Not Covered
Maternity Benefits
(All Hospitalization cost covered at the time of pregnancy.)
- Not Covered
New Born Baby Covered
(Newborn babies can be covered under the insurance plan after a certain period)
- Not Covered
Health Checkup
(An added benefit of one time full health checkup of policy holder.)
- Not Covered
Sub Limit
(Sub-limit is a monetary capping that applies on specific diseases like cataract)
- Not Covered
Co-pay
(Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)
- Not Covered
Plan Entry Age Minimum: 18 Years, Child: 5 to 18 Years, Maximum: 75 Years 18 to 65 Years
Plan Premium Entry Age and S/A NA 1369
Plan Waiting Period 30 30
Plan Coverage - Individual
Plan Sample Premium NA 1369
Plan Brochure Brochure URL Brochure URL
Policy Term 1 year 1, 2, 3 Years
ICU Charges - Not Covered
Covid-19 Treatment - Covered
Cataract - Not Covered
Automatic Restoration - Not Covered
Ayush Treatment - Not Covered
Modern Treatment - Not Covered
E Consultation - Not Covered
Air Ambulance - Not Covered
Global Coverage - Not Covered
Claim Ratio 97.64 87.50
Solvency Ratio 1.75 2.35
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