Future Generali Janata Personal Accident Insurance

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*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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      Future Generali Janata Personal Accident Insurance

      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.

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      Key Features of Janata Personal Accident Insurance Policy By Future Generali

      Primary Covers

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

      Additional Covers

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

      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.
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