Future Generali Janata Personal Accident Insurance

Future Generali Janata Personal Accident Insurance Overview:

Under this policy the insured person can get specified benefits if he/she sustains bodily injury resulting solely and directly from accident caused by outward violent and visible means. It covers all unfortunate incidents like deaths disability and severe body injury and hence the insured gets a complete security under such circumstances.

Key Features of Janata Personal Accident Insurance Policy By Future Generali

a)    Primary Covers

• Accidental Death
• Permanent Total Disablement
• Permanent Partial Disablement
• Temporary Total Disablement

b)    Additional Covers

• Repatriation Benefit and Funeral Expenses
•  Accidental Hospitalization
• Accidental Medical Expenses
• Hospital Cash Allowance
• Family Transportation Allowance

c)    Scope of Cover

Cover	Sum Insured
Death due to accident	100% of S.I
PTD due to accident	100% of S.I
Loss of 1 eye or 1 limb	50% of S.I
Loss of 2 limbs,1 eye and 1 limb or 2 eyes	100% of S.I

 

Benefits of Furture Generali Janata Personal Accident Insurance Policy

Event	Percentage of Sum insured
Accidental Death	100%
Permanent Total loss of sight of both eyes	100%
Permanent total loss and physical separation of or the loss of ability to use one hand and one foot	100%
An arm at the shoulder joint	75%
An arm above the elbow point	70%
A hand at the wrist	50%
A thumb	25%
A leg up to the beneath knee	50%
An Index Finger	10%
Any other finger	5%
A leg up to mid thigh	60%
A leg above mid-thigh	75%
A leg up to beneath the knee	50%
A leg up to mid-calf	45%

 

Future Generali Janata Personal Accident Insurance Policy Details:

Sum Insured: Maximum= Rs.1,00,000

                      Minimum= Rs.25,000                   

Free Look Period: In case of Individual Janata Personal Accident policy, the insured will be allowed a period of at least 15 days from the date of receipt of the policy to review the terms and conditions of the policy and to return the same if not acceptable.

Portability: Members covered under any Group Janata personal accident policy of a non‐life insurance company shall have the right to migrate from such a policy to an Individual Janata personal accident policy with the same insurer.

Termination: If the policy holder wishes to cancel this policy he/she should give the company 15 days notices in writing. The company shall refund balance premium after retaining premium, which will computed as per the following-

Policy period not exceeding	% of annual rate
1 month	25%
3months	40%
6months	75%
9 months	90%

*The above rates may vary. Please check the policy wordings for more details.                            

Renewal- Lifelong

Future Generali Janata Personal Accident Insurance Discount: 

Discount percentage for favorable claim ratio

Incurred Claim ratio under the Group Policy	Discount Percentage (%)
Up to 20%	20%
21%-35%	15%
36%-50%	10%
51%-60%	5%

 

Exclusions in Future Generali Janata Personal Accident Insurance Policy:

• Intentional Self Injury
• Participation in motor racing or trial run as a driver, co-driver or passenger
• Pregnancy, and childbirth, miscarriage, abortion or complications any arising out of these
• Nuclear Energy, Radiation
• Any expense incurred which is not exclusively medical in nature
• Unproven or Experimental treatment of any description
• Under the influence of drugs, alcohol & other intoxicants
• Loss due to child birth or pregnancy
• Participation in felony, riots, war etc.
• Medical expenses or surgery expenses
  

Eligibility Criteria For Future Generali Janata Personal Accident Insurance:

• Minimum Age-18 years
• Maximum Age-70 years
• Dependent children from age 10 years to 25 years.