• National Insurance Janata Personal Accident Policy

    Health Insurance
    • 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.

    Minimum age at entry 10 years
    Maximum age at entry 70 years

    Sum Insured and Premium

    Sum Insured

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

    Minimum sum insured Rs.25,000
    Maximum sum insured Rs.1 lakh

    Premium

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

    Premium for Rs.25,000 Rs.15

    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

    Free-look period The policyholder has a 15-day free-look period during which he/she can ascertain if the policy is suitable for him/her. If the policy is found unsatisfactory, he/she can return the policy and the premiums paid will be refunded, unless the insurer has incurred expenses towards any medical examinations or stamp charges. If a claim has been made during the free-look period and the policy is returned post the claim, the claim amount will be deducted from the refund amount.
    Grace period A grace period of 30 days, starting from the premium due date, allows the policyholder to make the payment or renew the policy without the loss of benefits. No coverage will be available in case no premium is paid.

    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.
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    National Insurance Janata Personal Accident Policy Reviews

    Write a Review
    • National Insurance
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      The reason for taking the health insurance policy with the NATIONAL INSURANCE is because the service is very good. The premium is nominal also the medical coverage what they have offered is 1L for self coverage. It has the disease coverage also the accidental coverage.
      Was this review helpful? 2
      , indore
      Reviewed on Jan 29, 2019
    • National Insurance
      National Insurance
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have taken the health insurance policy with the NATIONAL INSURANCE where i ma holding it since from many years but i have no claim experience. The premium is satisfactory and the medical coverage is for 5L for complete family. It includes the illness, disease coverage.
      Was this review helpful? 2
      , faridabad
      Reviewed on Jan 22, 2019
    • National Insurance
      "EXCELLENT POLICY"
      0.5 5.0/5 "Blown Away!"
      I am holding the corporate health insurance policy with the NATIONAL INSURANCE where i am using it since fro last 12 years and i had claim for 3-4 times it includes the cashless also the reimbursement. The medical coverage is for 10L for family.
      Was this review helpful? 1
      , pune
      Reviewed on Jan 21, 2019
    • National Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I had no claim experience with th health insurance policy where i have taken it from the NATIONAL INSURANCE. The premium i paid is nominal which is 4k, medical coverage they have offered is for 2L each for my complete family. Hospital list is satisfactory apart from that they give the coverage for illness, accidental benefits.
      Was this review helpful? 1
      , kolkata
      Reviewed on Jan 14, 2019
    • National Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      NATIONAL INSURANCE is the insurance company where i have purchased the health insurance with this policy. The premium i have paid is for 13k where they are offering the medical coverage is for 4L for family. I have been using from last 13-14 years.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 05, 2019
    • National Insurance
      "Good"
      0.5 5.0/5 "Blown Away!"
      The representative explained me about the policy in detail. The premium is reasonable. I don't know the premium which I paid initially. The medical coverage is 5L and took it for myself. The customer service is good. I took a health policy from National Insurance.
      Was this review helpful? 1
      , kolkata
      Reviewed on Dec 30, 2018
    • National Insurance
      "Average"
      0.5 4.0/5 "Great!"
      I am having a health insurance with National Insurance and it was purchased 2 years ago. It has good medical coverage which is 2L per person and the policy covers 4 members. I do have a claim and the process was good. I got 100% cashless and it has limited number of hospitals.
      Was this review helpful? 0
      , ajmer
      Reviewed on Dec 20, 2018
    • National Insurance
      "Good"
      0.5 4.0/5 "Great!"
      My company has provided me a health insurance with National Insurance which covers my family. The medical coverage is 5L for all together, so far I did not contact the customer support. I have not gone for claim. The medical coverage is okay which was not sufficient, they can improve. I don't know the premium which was done by the company.
      Was this review helpful? 0
      , ramachandrapuram
      Reviewed on Dec 20, 2018
    • National Insurance
      "Average"
      0.5 3.0/5 "Satisfactory"
      I took my health insurance with National Insurance through online portal. I have received the hard copy and soft copy of insurance. The premium is okay and the medical coverage is 5L for per person. I heard good reviews about National Insurance so chosen the insurance . I have paid approx 4K per year.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 15, 2018
    • National Insurance
      "Good"
      0.5 4.0/5 "Great!"
      My company has offered me a health insurance with National Insurance. I had a claim experience recently in the month of October and they have processed it on time. And I got the reimbursement within 45 days and they only cover the hospital expenditure and medicine bill. I don't know the premium which was paid by the company. The medical coverage is 2.5L which is less.
      Was this review helpful? 0
      , hoshangabad
      Reviewed on Dec 15, 2018
    • National Insurance
      " ."
      0.5 2.5/5 "Just OK"
      I was with National insurance for the mediclaim policy and cover of 5L, no claim bonus is 50% and the policy coverage is 7.50L. I had a combined plan for myself, wife and son. I have one claim experience, it was a pre approved claim and went through any hassle.The premium is gone up and the service is not up to the mark.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2018
    • National Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I have taken a health insurance with National Insurance before 2 to 3 years. It covers entire major disease and minor disease. I don't have any claim experience. The medical coverage is 10L for family. I got the insurance paper and it was taken through an agent. I am paying annual premium of 20K.
      Was this review helpful? 0
      , dombivli
      Reviewed on Dec 08, 2018
    • National Insurance
      "Satisfied"
      0.5 4.0/5 "Great!"
      My health insurance is with National insurance. The customer support and response is good. I received the policy documents on time. The medical coverage value is good too. It is a family floater and there are good benefits in the policy too.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 28, 2018
    • National Insurance
      "Average policy"
      0.5 4.0/5 "Great!"
      In National insurance, they have given me a satisfied coverage amount. The policy is covered for the 4 members in my family. I had purchased the policy 15 years back and I'm just renewing the policy for every year anyway i had no claim experience till now.
      Was this review helpful? 0
      , jaipur
      Reviewed on Oct 30, 2018
    • National Insurance
      "Nice Policy for a family. "
      0.5 5.0/5 "Blown Away!"
      My Organization has provided the health insurance policy from National Insurance. Last year i have reimbursed the cash for OPD charges. I can logged in their website and i can able to check the status of the claim and they have very good customer care service. They are providing the cashless treatment facility but not with every hospitals and i have to look into hospital list for the cashless transaction. Its me and my family has been covered with a additional cost of Rs. 2500.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 26, 2018
    • National Insurance
      "Poor services"
      0.5 5.0/5 "Blown Away!"
      Since I'm working as Government Employee, from my organization they have provided the health insurance with national. Its not covered for all the disease and pre-medical is not covered and they have provided only surgery charges. They are not provide a clear idea about the claim details. When we apply for a claim we will get a idea about the disease what are all covered in this policy. The service is not upto the mark. We should not expect the full coverage amount and we need to pay some amount from our pocket.
      Was this review helpful? 0
      , cuddalore
      Reviewed on Oct 24, 2018
    • National Insurance
      "Reliable policy"
      0.5 3.0/5 "Satisfactory"
      Since my father is a Government employee, they have offered a health insurance policy with National. My whole family has been covered. They are giving some extra facility for Government workers. Till now i have not claimed anything. They have given me a coverage amount of Rs. 15 lakhs approximately.
      Was this review helpful? 0
      , kolkata
      Reviewed on Oct 24, 2018
    • National Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      Although i have taken the policy but i have not availed any services. Actually it is rated well in the feedback from the customer hence i have chosen this policy. I have taken this policy only for me only. I have got a satisfied coverage amount from them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 17, 2018
    • National Insurance
      "Yet to experience the policy"
      0.5 3.0/5 "Satisfactory"
      My employer has provided me a health insurance policy for my entire family. I have not gone through the documents yet. They are providing the cashless hospitalized facility. I never had a claim experience as of now. Actually they have offered me a policy from National Insurance company
      Was this review helpful? 0
      , almora
      Reviewed on Oct 09, 2018
    • National Insurance
      "Good health insurance policy"
      0.5 5.0/5 "Blown Away!"
      Only National insurance company providing the health Insurance policy to the heart patients. Basically its a Government based company. I am able to get the claim settlement within a week to my bank account. I had claim experience for that i have paid Rs. 85 from my end for applying the claim i have got a claim amount of Rs. 64000. I took this policy for myself and my family. They are providing the cashless treatment. In AIMS hospital is not provided the cashless facility hence i have submitted all my documents.
      Was this review helpful? 0
      , delhi
      Reviewed on Oct 08, 2018
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