Janatha Personal Accident Insurance

Janatha Personal Accident Insurance



Salient features


  • An exclusive policy designed for Rural and Social sector at an affordable cost
  • Persons in the age group of 10 to 70 years can be covered under this policy
  • The cover is for all 24 hours. i.e. on duty and off duty
  • Service tax is exempted for this insurance
  • This policy provides Death or Permanent Total disablement cover to the insured arising due to accidental injury


Benefits Provided


Death 100% of the S.I
Total and irrecoverable loss of sight of both eyes
or loss of use of two hands or loss of sight of one
eye and loss of use of one hand/foot.
100% of the S.I
Total and irrecoverable loss of sight of one eye or loss
of use of one hand or foot
50% of the S.I
Permanent Total Disablement 100% of the S.I


Sum Insured


Minimum Sum Insured per person is Rs. 25,000. The Sum Insured can be increased in multiples of Rs. 25,000 up to a limit of Rs. 2,00,000 per person.




Rs. 15 to be charged for every Sum Insured of Rs. 25,000. This policy is exempted from GST.




  • Any existing disability
  • Death or disablement due to Intentional self injuries, suicide or attempted suicide
  • Death or disablement under the influence of liquor or drug.
  • Death or disablement during racing, big games hunting, mountaineering and winter sports
  • Insanity, breach of law by the insured with criminal intention.
  • War group of perils
  • Nuclear group of perils

This policy is best suitable for groups like, agricultural labours, bidi workers, brickline workers, carpenters, construction workers, papad makers, cobblers, fishermen, handicraft artisans, handloom & khadi workers, lady tailors, leather & tannery workers, Power-loom workers, primary milk producers, rickshaw pullers, sugarcane cutters, tender leaf collectors, toddy tapers, vegetable vendors, washerwomen, working women in hills, physically handicapped self employed persons.