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.

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