Oriental Health Janata Personal Accident Policy

Eligibility age

1. Minimum - 10 years
2. Maximum - 80 years

Basis

Individual

Premium

The premium amount is set at INR 15 per INR 25000 of Sum Insured, not including taxes and service charges. Based on the sum insured chosen, the premium amount can increase, the lowest being INR 15

Coverage

1. Death - 100 percent of Sum Insured
2. Complete loss of vision / loss of either two limbs / partial losses of vision and limbs - 100 percent of Sum Insured
3. Partial loss of vision or one limb - 50 percent of Sum Insured
4. Permanent total disability - 100 percent of Sum Insured

Policy term

The policy is valid for one year and can be renewed till the time the age limits acceptable by the company are in force

Renewability

Renewable every year subject to age limits

Sum Insured

Could be from INR 25000 to INR 5 lakhs

Benefits

50% to 100% of Sum Insured in cases of Partial or Total Disability or Death

Exclusions

1. Any existing disability
2. Death injury or disablement due to intentional self-injuries, suicide or attempted suicide
3. Disablement or death under influence of liquor or drug
4. Death or disablement during racing, shooting, big game hunting, mountaineering, ice hockey, winter sports and/or the like
5. Insanity
6. Breach of law with criminal intention
7. War group of perils
8. Nuclear group of perils