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Liberty Janta Personal Accident Policy vs Extra Care Plus Plan

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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


Extra Care Plus Plan

Premium Including GST
Product Type Accident Health Insurance Top Up and Super Top Up
Key Features
(Key features of the plan)
  • Personal Accident Cover
  • Worldwide Cover
  • Lifelong Renewability
  • Bajaj General Super Top-Up
  • Avail High Sum Insured
  • Entry Age Up To 80 Years
OPD Details
(In some policies, OPD (Out patient department) expenses are also covered.)
Not Covered Not 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 Not 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 Not Covered
Health Checkup
(An added benefit of one time full health checkup of policy holder.)
Not Covered Not Covered
Sub Limit
(Sub-limit is a monetary capping that applies on specific diseases like cataract)
Applicable Not Applicable
Co-pay
(Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)
Not Applicable Not Applicable
Plan Entry Age Minimum: 18 Years, Child: 5 to 18 Years, Maximum: 75 Years 91 Days to 80 Years
Plan Premium Entry Age and S/A NA 3,720
Plan Waiting Period 30 30 Days
Plan Coverage Accidental death cover, Permanent total disability, Permanent partial disability, Loss of limbs or eyesight In-patient hospitalization expenses, pre & post hospitalization (60/90 days), day care procedures, organ donor & AYUSH treatments, maternity & ambulance cover
Plan Sample Premium NA 3,720
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 Not Covered
Ayush Treatment Not Covered Not 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
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