Liberty Janta Personal Accident Insurance

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      Liberty Janta Personal Accident Insurance

      The Liberty Janta Personal Accident Insurance Health Insurance is an accidental policy that offers coverage in case of accidental death, coupled with other benefits such as life support benefit, ambulance charges cover etc.

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      Liberty Janta Personal Accident Insurance Policy: Key Highlights



      Policy Tenure

      1,2 3 years

      Long-term Policy Savings

      8% and 15%

      Grace Period

      30 days



      Coverage Offered

      The policy provides coverage for one year. Since the Liberty Janta Personal Accident Insurance Policy delivers cover for the incidence of accidents only, the coverage benefits are also confined to physical damage caused exclusively and directly by accidents triggered by external, visible, and violent means.

      • Accidental Death: The cover provides 100% of the Capital Sum Insured
      • Accidental Loss:
      • Limbs (Two hands or feet/ one foot and one hand): 100% of the Capital Sum Insured is paid.
      • Eye and a Limb:  The cover is for 100% of the Capital Sum Insured.
      • Irrecoverable and complete loss of two eyes: The insurer pays 100% of the Capital Sum Insured.
      • Loss of eyesight in one eye, the use of one eye, or one foot: The insurer pays 50% of the Capital Sum Insured.
      • Permanent total disability: The insurer pays 100% of the Capital Sum Insured.

      Inclusions of the Liberty Janta Personal Accident Insurance Policy

      Liberty Janta Personal Accident Insurance Policy safeguards an individual for accidental hazards only, limiting its inclusions.

      • The policy is issued on an individual basis with a maximum entry age of 75 years.
      • There is no exit age, as the policy has lifelong renewability feature.
      • The policy term is  1 year.  
      • The insurer liability is to the extent of the loss or damage caused to the Insured as a direct result of an accident.

      Exclusions of the Policy

      The importance of exclusions is undeniable in a decision to buy Liberty General Health Insurance. Thus, it is wise for the Insured to thoroughly study the policy wording to get clarity on all the exclusions so that future complications in claim settlement are avoided. Some of the exclusions are:

      • The insurer is not liable to pay for any pre-existing conditions acquired due to an accident.
      • The claim of the Insured is invalid if the injury is self-inflicted, acquired in breach of the law, caused by war, hostilities, acts of terrorism, or due to nuclear peril.
      • The policy does not cover medical conditions consequent to participation in hazardous sports, treatment of HIV / AIDS, and activities related to the defense services; and many more.

      Liberty Janta Personal Accident Insurance Policy: Features & Benefits

      It has already been discussed that the policy aims to mitigate the outcome of accidents only.  The features are in tune with the basic principle of the Liberty Janta Personal Accident Insurance Health Insurance.

      • The insurer is liable to pay up to the Sum Insured in varying percentages for the consequence of the accident, either for permanent total or partial disability and death.
      • The coverage of the policy is not confined to the geographical boundary of India but is available worldwide.
      • Online Liberty Janta Personal Accident Insurance Policy purchase is possible at the Insurer portal.
      • The Insured is entitled to a tax benefit for the premium paid during a financial year.

      Eligibility Criteria

      To avail this policy, one has to fulfill the below eligibility criteria:



      Minimum Entry Age

      18 years

      Maximum Entry Age

      70 years

      Number of people covered


      Residential Status

      Residents of India, including citizens and permanent residents, providing worldwide coverage.

      Information on Cancellation of the Policy

      The cancellation of the Liberty Janta Personal Accident Insurance Policy can be initiated by the insurer as well as the Insured.

      • The Insurer: The Insurer can cancel the policy on the grounds of fraud, misrepresentation, or moral hazard by serving a written notice. In this case, the premium is forfeited.
      • The Insured: The Free Look provision of 15 days is for the Insured to review the policy terms. On disagreement, the policy can be returned for cancellation, and the premium is refunded as per the Insurer's terms and conditions.


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