Janata Personal Accident
JPA policy covers any person irrespective of sex, occupation and profession in the age group of 10 to 70 years for death and permanent total disablement and permanent partial disablement.
The policy is available for minimum sum insured of Rs.25.000/- per person per annum and the maximum sum insured is to be limited to Rs.1,00,000/- per person per annum.
The rate of premium is Rs.15 for a sum insured of Rs.25,000/-. The sum insured shall be increased in multiples of Rs.25,000 and premium is charged accordingly.
The policy is also available for pre-identified groups as listed by the scheme. In case of a group policy group discounts are available as per size of the group.
The policy is also available for a long term period up to 5 years
This insurance will pay to the Insured (or in case of death, to the nominee) the amount shown against the table of benefits, if the Insured shall sustain any bodily injury resulting solely and directly from accident caused by outward violent and visible means and such bodily injury within the twelve calendar months of its occurrence be the sole and direct cause of:
| Table of benefits | Compensation |
|---|---|
| Death | 100% of S.I |
| Total and irrecoverable loss of sight of both eyes or losses of use of two hands or feet or loss of sight of one eye and loss of use of one hand or foot | 100% of S.I |
| Total and irrecoverable loss of sight of one eye or loss of use of one hand or foot | 50% of S.I |
| Permanent total disablement due to accident | 100% of S.I |
The policy operates worldwide and is a 24 hours cover.
The Janata PA policies can be bought on line using credit, debit cards as well as net banking.
Any adult residing in India can take the policy covering himself / herself and dependent family members between the ages of 5 and 70yrs
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The detailed coverage are mentioned in Salient features section.
The various coverage are explained as below.
1. Accidental Death:
It provides for payment of compensation on the insured person's death caused by bodily injury arising out of accidental, violent, external and visible means and resulting in death within 12 (twelve) calendar months of occurrence of the accidental injury.
2. Permanent Total Disablement:
It provides for payment of compensation for bodily injury caused by accidental, violent, external and visible means resulting in Permanent Total Disablement resulting from an accident.3. Permanent Partial Disablement:
It provides for payment of compensation for bodily injury caused by accidental, violent, external and visible means resulting in Permanent Partial Disablement within 12 (twelve) calendar months of occurrence of such injury.
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Intentional self injury, suicide or attempted suicide
• Under influence of intoxicating liquor or drugs
• Racing on wheel, Hunting Big game shooting, Mountaineering, engaged in winter sports, skiing & Ice Hockey.
• Insanity.
• Breach of law with criminal intent.
