ICICI Lombard Health Care Plus Plan

• Premiums as low as Rs12/day for coverage of Rs.4 Lakhs*
• 10,000+ hospitals for cashless treatment
• Claim up to Rs. 55,000 deduction under section 80D**

The Janata Personal Accident Policy from National Insurance is a health insurance policy that covers the policyholder from any injuries resulting from external violent accidents. It allows the insured to claim the sum insured in case he/she suffers an injury or disability, directly or indirectly, due to an accident. The injury will be covered if the disability is suffered within 12 months of occurrence of the accident. Group discounts are available for group policies. The policy term can go up to 5 years.

Eligibility of Janata Personal Accident Policy

The insurer specifies certain age restrictions for purchasing the policy.

Sum Insured and Premium

Sum Insured

Sum insured is the total amount the policyholder can claim from the insurer when medical attention is required.

Premium

Premium is the nominal payment made by the policyholder towards the sum insured.

Features of National Insurance Janata Personal Accident Policy

• The complete sum insured will be provided to the nominees on the death of the policyholder.
• The insured will be provided with the complete sum insured if he/she loses his/her hands or feet or loses sight of both eyes. The same applies to the loss of one eye and one limb.
• If the policyholder loses either one of the eyes, or one limb, he/she can claim 50% of the sum insured.
• A lump sum equal to 100% of the sum insured will be provided to the insured if there has been complete disablement of the insured.

Benefits of National Insurance Janata Personal Accident Policy

Exclusions of National Insurance Janata Personal Accident Policy

• Death or disability arising as a result of a disability that existed before the issue of the policy.
• Intentional self-injury or injury from attempted suicide.
• Any injury from abuse of alcohol, drugs or intoxicating substances.
• Any injury caused by insanity or a venereal disease.
• Any injury resulting from racing, mountaineering, big game hunting or winter sports like ice hockey and skiing.
• Any injury resulting from an activity that is classified as a breach of law.
• Any injury resulting from war, invasion, or acts of foreign enemies.
• Any injury caused by nuclear weapons or materials.