National Insurance Personal Accident
National Insurance Personal Accident
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National Insurance Personal Accident

National Insurance Company Limited is a state-owned general insurance company headquartered in Kolkata, India. The company tries to provide maximum protection in segments like motor, health, fire, marine, engineering, etc.

Accidents can happen anytime and anywhere. To avoid paying hefty expenses for treatments against disability or accidental death, the company has come up with a National Insurance Personal Accident Policy (including Janata policy) for its customers.

1. National Insurance Personal Accident Insurance Policy

The National Insurance Personal Accident offers a lump-sum amount to you and your family in case of death and disability caused due to accidents. Let's check its notable features.

Features of National Insurance Personal Accident Insurance

Mentioned below are some of the important features of National Insurance Personal Accident Insurance:

  • The insurance policy provides 24x7 worldwide coverage.
  • Policyholders can avail of cumulative bonus benefit (for claim-free renewals) at 5% (up to a maximum of 50% of the capital sum insured).
  • A 5% discount is allowed on the total premium if the insured opts to cover his/her entire family (husband/wife/dependent children and parents).
  • The insurance company pays for the expenses incurred (Rs.1000 or maximum of 2% of the capital sum insured, whichever is lower) for the carriage of the insured's dead body. 
  • You can pay an additional 20% basic premium to cover medical expenses (40% admission claim or up to 10% capital sum insured, whichever is lower) arising out of accidents.

Eligibility:

Entry Age

5-70 years

Loading Charges

70-75 years: 10% on premium

75-80 years: 20% on premium

**Last Updated on 14-10-2020

2. Janata Personal Accident

The Janata Personal Accident policy offers coverage to the insured in case of any bodily injuries resulting from the accident (within twelve months of its occurrence). This policy is also available for listed pre-identified groups.

Features of Janata Personal Accident

Mentioned below are some of the important features of Janata Personal Accident policy:

  • The rate of premium is Rs.15 for a sum insured of Rs.25,000.
  • The insurance policy is available for a period of up to 5 years.
  • The insurance policy offers 24x7 worldwide coverage.

Eligibility Criteria:

Entry Age

10-70 years

Sum Insured

Rs.25,000-1,00,000

**Last Updated on 14-10-2020

How can I buy National Insurance Personal Accident Online?

You can buy National Insurance Personal Accident Online by following the below-listed steps:

  • Visit the official website of National Insurance. 
  • Click 'Miscellaneous' under the 'Products' tab.
  • Select 'Personal Accident' under 'Choose Your Policy' and click 'View More'.
  • Scroll down to the bottom of the page and find 'Buy Policy Online'.
  • Register yourself and follow the process.
  • Make the premium payment and you will receive the policy on your registered email id and mobile number.

Note- You can purchase Janata Personal Accident Policy by visiting https://nationalinsurance[dot]nic[dot]co[dot]in/en/personal-insurance/janata-personal-accident and scroll down to find 'Buy Policy Online'. The rest of the steps are the same as given above.

How can I claim for National Insurance Personal Accident Insurance?

Follow the below-mentioned steps to file a claim for National Insurance Personal Accident Insurance:

  • Immediately intimate about the loss to the policy issuing office.
  • Collect the relevant claim form and fill it up.
  • Submit the required documents.
  • The policy issuing office will appoint a surveyor (if necessary).
  • Once the claim is settled, the insurer will transfer the amount in the registered bank account.

Frequently Asked Questions

You can pay premium through different modes i.e. offline and online. For online mode, you can pay through debit card, credit card, or net banking. If we talk about offline mode, you have to pay the premium at the nearest company branch.

Suicide, insanity, pregnancy, war, and participation in armed forces are some of the exclusions under the National Insurance Personal Accident.

You can avail education fund benefit for the dependent children if the insured suffers death or permanent total disablement. Check the policy brochure for more details.

Last updated on 14-10-2020