Future Generali Janata Personal Accident Insurance

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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


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


Percentage of Sum insured

Accidental Death


Permanent Total loss of sight of both eyes


Permanent total loss and physical separation of or the loss of ability to use one hand and one foot


An arm at the shoulder joint


An arm above the elbow point


A hand at the wrist


A thumb


A leg up to the beneath knee


An Index Finger


Any other finger


A leg up to mid thigh


A leg above mid-thigh


A leg up to beneath the knee


A leg up to mid-calf



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






9 months


*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%









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.
Written By: PolicyBazaar - Updated: 13 September 2016
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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