Janta Personal Accident Insurance

Universal Sompo's Personal Accident Policy provides you and your family mitigation against the financial consequences of unforeseeable accidents.

Who can take the Policy?
Janata Personal Accident Insurance is offered to cover employees of a firm/Company and members of an association/club, depositors of banks, members of cooperative society's, NGO's, SHG's, Kisan Credit Card Holders, members of APL and BPL segments of society.

Eligibility
The enrollment age under the Policy is from 5 years to 65 years.
Proposer needs to be aged 18 years or above.

Who can take the Policy?
The Policy provides for defined benefits for Death and Permanent Total Disablement caused as a result of accidental injury sustained by Insured Persons, in the Accident during the Policy Period.

Compensation Benefit:
The compensation benefits will depend upon the nature of injury and the Capital Sum Insured under the Policy.

For accidents resulting in Death or Permanent Total disablement, we will provide compensation equivalent to the full Capital Sum Insured

Discounts under the Policy

Group Discount
We shall provide group discount as per below when the number of persons covered under the Policy exceeds 25. Group Discount will not be reviewed during the currency of the Policy, even if the size of the group exceeds the next slab.


On Duty Cover Discount:
We may provide a discount up to 25% on the basic premium when Janata Personal Accident cover is only for restricted hours of duty (and not for all 24 hours of day and night) for the Insured Persons in the Policy. The restricted cover is intended only for employers who wish to cover their employees for accidents during and in the course of employment.

Off Duty Cover Discount:
We may provide a discount up to 50% on the basic premium when Janata Personal Accident cover is required only for restricted hours, when the Insured Person is not at work and/ or not on official duty.

What is not covered under the Policy?
1. Compensation under more than one of the benefits mentioned in Table of Benefits in respect of same period of disablement.

2. Any other payment after a claim under one of the benefits 1 and 2 in Table of benefits has been admitted and becomes payable.

3. Any payment in case of more than one claim in respect of one insured person under this Policy during any Period of Insurance by which Our liability in that period would exceed CSI.

4. Payment of compensation in respect of a Permanent Partial Disability or Death/disability as a consequence of/resulting from
a. Committing or attempting suicide, intentional self-injury.

b. Whilst under influence of intoxicating liquor or drugs.

c. Drug addiction or alcoholism.

d. Whilst engaged in any adventurous sports.

e. Committing any breach of law with criminal intent.

f. War, Civil War, invasion, act of foreign enemies, revolution, insurrection, mutiny, military or Usurped power, seizure, capture, arrest, restraint, or detainment, confiscation, or nationalization or requisition by or under the order of any government or public authority.

5. Consequential loss of any kind and/or any legal liability

6. Death/disability due to pregnancy including child birth, miscarriage, abortion or complication.

7. Insured participating in any naval, military or air force operations.

8. Curative treatments or interventions.

9. Venereal or sexually transmitted diseases.

10. HIV and or related illness

11. Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. For the purpose of this exclusion, combustion shall include any self sustaining process of nuclear fission.

12. The radioactive, toxic, explosive or the hazardous properties of any nuclear assembly or nuclear component.