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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Future Generali Janata Personal Accident Insurance

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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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