Oriental Insurance Janata Personal Accident Policy

Janata Personal Accident Policy – Oriental Insurance Introduction

Oriental Insurance Janata Personal Accident Plan is a health insurance policy which is one of the two variations of the Personal Accident Policy of the Oriental Insurance. The other varient is Oriental Insurance Gramin Personal Accident Policy. In our daily life we all are exposed to the risks of accidents. This may arise permanent disablement or loss of limbs or eye sight or sometimes even death. In such cases, Oriental Insurance Janata Personal Accident gives you financial support. Oriental Insurance Janata Personal Accident Plan is applicable to any person between the age group of 10 years to 80 years regardless of his/her occupation, income, profession etc.

Oriental Insurance – Janata Personal Accident Policy Eligibility Conditions

Entry Age:	Minimum: 10 years Maximum: 80 years
Policy Term:	1 Year
Sum Insured:	Minimum: Rs. 25,000/- Maximum: Rs. 5,00,000/-
Documents required for larger Sum Insured:	Income proof is required if the sum insured is above Rs. 2,00,000/-.
Tax Benefit:	Not available. For more information regarding Income Tax Benefits, visit www.taxqueries.in.
Product Type:	Rural

Oriental Insurance Janata Personal Accident Plan Key Features

• A Non-earning Individual can take Janata Personal Accident Policy.
• No grace period for continuity of policy cover.
• Insurance cover expires on the last day of the policy period.
• This Policy can be renewed within 90 days from the date of expiry of policy period, to avail Cumulative bonus/No claim bonus.
• Discount is allowed under Oriental Insurance Janata Personal Accident Policy depending upon the number of persons covered.
• The premium in case of Oriental Insurance Janata Personal Accident policy is around Rs. 15 per annum.

Oriental Insurance Janata Personal Accident Plan Inclusions

Coverages under Oriental Insurance Janata Personal Accident Plan are,

• Death due to accident will be around 100% of Sum Insured.
• Total irrecoverable loss of sight of both eyes or loss of use of two hands or feet or loss of sight of one eye and loss of use of hand or foot will be around 100% of Sum Insured.
• Total irrecoverable loss of sight of one eye or loss of use of one hand or foot will be around 50% of Sum Insured.
• For PTD (Permanent Total Disablement) will be around 100% Sum Insured.

Oriental Insurance Janata Personal Accident Plan Exclusions

Exclusions under Oriental Insurance Janata Personal Accident are,

• Payment, in respect of injury or disablement existing on the date of issue of the policy is excluded.
• Death or disablement or injury of the insured from,
  • Intentional self-injury.
  • Suicide or attempted suicide.
  • Abuse of substance like drugs and alcohol is excluded.
  • Caused by insanity.
  • Appearing from committing any breach of law with criminal intent.
• War, revolution, civil war, invasion, Nuclear energy, act of foreign enemies, radiation, etc.
• Death/disablement during racing, big game hunting, shooting and mountaineering.
• Death/disablement during ice hockey, winter sports etc.

Oriental Insurance Janata Personal Accident Customer Care

Assistance: 

For any complaint,
Write to – Mr. Masood Wahab,
Chief Manager,
Customer Service Department, Oriental House, A-25/27,
Asaf Ali Road, New Delhi-110002.
Contact details :
For any query or for any information call, Toll free number: 1800 11 8485 Or 011- 33208485 (Normal Charges Apply)
Email:
For any complaints related to policy or claims : csd@orientalinsurance.co.in
For any complaints related to online insurance : portal.support@orientalinsurance.co.in

Oriental Insurance Janata Personal Accident Plan Buying Procedure

Documents and some conditions required to buy Oriental Insurance Janata Personal Accident Plan are,

1. Proposal form is to be filled.
2. Accurate and Complete information should be given by the Proposer.
3. Oriental Insurance will not be on risk until the proposal has been accepted by them.
4. Application form along with address proof, photographs (if required by the Oriental Insurance Company) should be submitted to the company.
5. You can also buy Oriental Insurance Janata Personal Accident Policy through Online.

Oriental Insurance Janata Personal Accident Claim Procedure

• Notice of claim should be given to the Company by Email or Fax with particulars relating to Policy Number, Name, ID Card No., Nature of disease etc.
• Claim form along with the medical certificate and bills has to be submitted.
• In case of death, following documents should be submitted by the nominee.
  • A death certificate
  • Original policy.
  • Post Mortem Report.
  • Legal heir certificate.
  • FIR (First Information Report).
  • Police Panchnama.
• In case, death of the person is due to drowning, claims may be settled after two years. In such case the documents to be submitted are as follows.
  • Police report
  • Final Investigation Report
  • Report of findings by Customs or Port Authorities
  • Affidavit duly notarized

Oriental Insurance Janata Personal Accident Premium Calculator

You can calculate the premium using Oriental Insurance Janata Personal Accident Premium calculator. Personal details, Number of members,  Policy period, Age and Sum assured and other details are required to calculate the premium.

Oriental Insurance Janata Personal Accident Premium Rate

• The Oriental Insurance Janata Personal Accident premium rate is Rs.15/- for a sum assured of 25000/-.
• Sum assured shall be increased in multiples of Rs 25,000/- and the premium is charged accordingly.

Oriental Insurance Janata Personal Accident FAQ’s

Can a non-earning individual take Janata Personal Accident Insurance cover ?

A non earning individual can take Oriental Insurance Janata personal accidental policy.

Is Oriental Insurance Janata personal accidental policy available for long-term?

Oriental Insurance Janata personal accidental policy is maximum for one year only. Depending upon the requirement of the proposer, this policy can be offered for a period which could even be lesser than one year.

Oriental Insurance Janata Personal Accident Forms and Documents

Oriental Insurance Janata Personal Accident Claim Form

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