National Insurance Janata Personal Accident Policy

National Insurance Janata personal Accident policy Introduction

National Insurance Janata Personal Accident Policy covers any person irrespective of their occupation and profession. Any person between the age of 10 to 70 years can take the National Insurance Janata Personal Accident policy. National Insurance Janata Personal Accident Policy provides compensation for death or permanent disability of the insured person. Pre-identified groups as listed by the scheme can also get the National Insurance Janata Personal Accident policy.

National Insurance Janata Personal Accident policy Eligibility Criteria

Entry Age	Minimum: 10 years. Maximum: 70 years.
Sum Insured	Minimum: 25,000/- p.a Maximum: 1,00,00/- p.a
Premium rate	15/- for minimum sum insured of 25,000/-(Premium is charged on multiples of 25,000)
Policy Type	Individual/Group
Policy Term	Minimum: 1 year. Maximum: 5 years.

National Insurance Janata Personal Accident Policy Features and Benefits

1. National Insurance Janata Personal Accident Policy provides compensation for death or bodily injury of insured person caused due to any accident.
2. It provides a discount of 30% on group policies depends upon the size of the group.
3. It provides a discount of 20% on the long term policies.
4. Any adult residing in India and their dependent family members between the age of 5 to 70 years can take National Insurance Janata Personal accident policy.
5. The National Insurance Company will pay insured’s compensation to the nominee on the death or disability of the insured person.
6. The National Insurance Janata Personal Accident policy operates world wide and it is a 24 hours cover.
7. It provides compensation on the accidental death of the insured person within 12 calendar months of the injury.
8. Any individual between the age of 10 to 70 years can take this policy.
9. It provides Compensation on permanent total disablement of insured person due to any accident.
10. It provides Compensation on permanent partial disablement of insured person due to any accidental.
11. The sum payable under this Policy do not carry any interest.

National Insurance Janata Personal Accident Policy Coverages

The National Insurance Janata Personal Accident policy insures the person on a worldwide basis and provides compensation to the individual in following manner.

Nature of Injury	Percentage of compensation
Death	100% of sum insured
Loss of two limbs,two eyes or one limb and one eye	100% of sum insured
loss of one limb or one eye	50% of sum insured
Permanent total disablement	100% of sum insured
Permanent partial disablement	Pays a certain percentage of sum insured as stated in the policy document

National Insurance Janata Personal Accident Policy Exclusions

The important exclusions that does not covered under National insurance Janata Personal Accident Policy are

• Intentional Self injury, suicide or attempt to suicide.
• Death arises due to already existing disability.
• Death arises due to influence of intoxicating liquor / drugs.
• It does not provide Compensation if death arises due to
  • Racing on wheel.
  • Hunting Big game shooting.
  • Mountaineering.
  • Engaged in winter sports.
  • Skiing & Ice Hockey.
  • Insanity.
  • Violating Law with criminal intention.
  • War.
  • Nuclear group of perlis.
• No refund of premium will be allowed, if the claim arises in the earlier years under long term policy.
• It does not provide compensation for more than one sub clauses in respective of the same injury or disablement.

National Insurance Janata personal accident policy buying procedure

The following steps has to be followed to buy National Insurance Janata personal accident policy

• Contact National Insurance Company branch office which is nearer to your home either directly or through an authorised agent.
• Collect National Insurance Janata personal accident pre printed proposal form.
• Read the proposal form carefully and fill the form correctly.
• Submit the proposal form to the national insurance company branch office.
• Some risks may call for pre-acceptance survey. In such cases surveyor appointed by office  will estimate the quantum of risk involved and other related matters.
• Premium estimates will be given to the proposer through computerised offices.
• Policy will be issued to the customer either directly or through registered post on request.

National Insurance janata Personal accident proposal form

National Insurance Janata Personal accident policy Claim Procedure

The following steps are involved in National insurance Janata personal accident claim process

• Collect the Janata personal accidental claim form from the national insurance company limited branch office.
• Fill up the Claim Form after reading it thoroughly.
• Submit claim form to the policy issuing office along with the required documents.
• The policy issuing office may appoint panel doctor if necessary.
• Claim is fully settled by the policy issuing office and full payment is made to the policyholder after final settlement of claim.

NAtional Insurance Janata personal accident claim form

National Insurance Janata Personal Accident Policy Maturity and Premium Calculator

By using National Insurance Janata Personal Accident policy maturity and premium calculator you can calculate minimum premium has to be paid to buy national insurance janata personal accident policy by giving below information.

• Personal Details.
• Sum Insured.
• Policy period.
• Age.
• Number of members.
• Premium range.

National Insurance Company Customer Care Details

For any information or doubts regarding National Insurance Janata Personal accident policy visit National Insurance Company website www.nic.co.in

You can also contact National Insurance Company through its

• Telephone number: 22831705 / 22831706.
• Call center number: 0866 257 8586 / 1800 120 1430

You can also Email to the company through its Email.id:  nic.misc@nic.co.in.

You can also post to the below address

Contact Address:

3 middleton street,

Kolkata,

West bengal,

Pin code: 700071.

National Insurance Janata Personal Accident Policy FAQ’s

1. Can I buy National Insurance Janata Personal Accident Policy through online?

Ans: Yes, You can buy National Insurance Janata Personal Accident Policy through online using debit card / credit card or through net banking.

2. What are the different personal insurance policies available in National Insurance?

Ans: There are two Personal insurance policies are available in National Insurance, they are

• Individual Personal Accident Policy.
• Janata Personal Accident Policy.

National Insurance Personal Accident Policy Documents and Forms

National insurance janata personal accident policy terms and conditions