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

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

Get insured from the comfort of your home No medicals required
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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

    Renewability

    Lifelong

    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:

    Type

    Individual

    Minimum Entry Age

    18 years

    Maximum Entry Age

    70 years

    Number of people covered

    Policyholder

    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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    Liberty Janta Personal Accident Insurance Reviews & Ratings

    0 / 5 (Based on 31 Reviews)
    (Showing Newest 9 reviews)
    Omkar
    Chennai , October 26, 2021
    Great features
    I have got day care hospitalization feature under the mediclaim policy which i have purchased from the policybazaar. It offered me lifelong renewability Cover. It includes tax exemption benefits, cashless hospitalization and many other facilities. overall i like my plan.
    Angoor
    Kolkata , October 26, 2021
    Trustworthy website
    I rarely trust the online purchasing because of the possibility of fraud but Policybazaar has built my trust up. I went through the online process when I was taking care health insurance from here and i found this website trustworthy.
    Kush
    Surat, October 26, 2021
    Helpful staff
    I rarely trust the online purchasing because of the possibility of fraud but Policybazaar has built my trust up. I went through the online process when I was taking care health insurance from here and i found this website trustworthy.
    Ranveer
    Pune, October 26, 2021
    Low cost plan
    Such a simple and easy process to buy a policy was provided to me by Policybazaar. Someone suggested me to check the health plans on Policybazaar website. i went through a lot of plans and i found the right plan here. i bought star health insurance at low cost.
    Kushal
    Jaipur, October 26, 2021
    Good Coverage
    I have bought Bajaj Allianz Health Insurance for my family and by taking a health plan, I have secured my entire family. I have got coverage against medical expenses and buying my policy online has saved my money as I did not have to pay agent fees.
    Jitendra
    Lucknow, October 26, 2021
    Affordable plan
    A friend of mine told me about Policybazaar. He said that he has found an affordable health plan deal in Policybazaar. I went to Policybazaar to buy the same plan. I wanted a family health plan so I took Aditya Birla health insurance and it has covered every member of my family.
    Rajesh
    Kanpur, October 26, 2021
    Easy to compare
    Last week i went to Policybazaar for taking health plan for my family. An executive explained the policy very well and showed me various plans out of which i chose digit health insurance and it has covered me and my wife.
    Kuvar
    Nagpur, October 26, 2021
    Good plan
    I was able to compare the various plans easily on the website of Policybazaar. At first, i was confused about what i should choose as so many options were given there but then i bought sbi general health insurance for my parents. I got really good senior citizen health plan.
    Abhijeet
    Allahabad, October 26, 2021
    Hassle free experience
    I had an amazing and hassle free experience with policybazaar. Everything has beem very smooth when i was purchasing health insurance from policybazaar. Their team assisted me in well mannered way.
     
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