Oriental Insurance Personal Accident Policy, covers you from the Sudden Accidents. We are all displayed to the risks of accidents in our day to day lives. Despite all flexible precautions, accidents do occur which may result in disablement or loss of limbs or sometimes even death. The Oriental Personal Accident policy provides compensation to the insured. In the case of Injuries, Disabilities or death occurred in sudden accidents. Here we have provided the Oriental Insurance Personal Accident Policy Review. Janata Personal Accident Policy Key Features, Benefits, etc.
Oriental Insurance Personal Accident Policy
In our life, there are many turnings and twists. We can’t imagine what happens in our future. Nowadays, Most of all people met with accidents. Especially Youngsters, because they don’t follow the traffic rules. For those people, Oriental Insurance has provided the Personal Accident Policy. So, to avoid these type of accidents & critical conditions, you can buy the Oriental Insurance Personal Accident Policy. There are many offers provided the by the Oriental Insurance Company. Here we have the detailed information of plans provided by the company. So go through the following sections of the page for complete details.
The Oriental Personal Accident Insurance is a collection of Accident Policies. The Accident Insurance policy will save you from the sudden and unexpected accidents. The Sudden Accidental death or injury of a person can create the financial problems for their family. Oriental Insurance Personal Accident Policy provides the security for you and your family’s future. The Oriental Insurance Policy covers not only the self but also your spouse & children.
Oriental Personal Accident Insurance Policy
Oriental Insurance Company has different Personal Accident Polices. The Oriental Personal Accident Polices has mentioned below.
- Personal Accident Policy (Individual).
- Janata Personal Accident Policy.
Individual Personal Accident Policy Key Features and Benefits
Oriental Individual Personal Accident Policy Key Features and Benefits are here.
- There is Accidental Protection Plan for Rural Customers.
- The policy available at affordable Premium.
- Personal accident death cover, Permanent Disabilities, Partial Disabilities.
- It also covers Hospitalization, Diseases and Injuries.
- There is free look period for 15 days.
Furthermore, details regarding the Oriental Insurance Personal Accident Policy (Individual), Download the Plan Broucher.
Oriental Janata Personal Accident Policy Key Features and Benefits
Check Oriental Janta Personal Accident Insurance Policy Key Features and Benefits here.
Janata Personal Accident Key Features
- A Non-earning Individual ca also take Janata Personal Accident Policy.
- There is no grace period of Policy Continuity.
- Insurance cover expires on the last day of the policy period.
- This Policy can renew within 90 days from the date of expiry of the policy period, to avail Cumulative bonus /No claim bonus.
- The premium in case of Oriental Insurance Janata Personal Accident Policy is around Rs. 15 per annum.
- Discount is allowed under Oriental Janata Personal Accident Insurance Policy depending upon the number of persons covered.
Oriental Janta Personal Accident Benefits / Inclusions
- 100 % claim given to the Sum Insured, Death due to an accident.
- Total irrecoverable loss of sight of both eyes or loss of use of two hands or feet or loss of sight of one eye and loss of use of hand or foot will be around 100% of Sum Insured.
- Total irrecoverable loss of sight of one eye or loss of use of one hand or foot will be around 50% of Sum Insured.
- In Case of PTD (Permanent Total Disablement), you can claim 100 % Sum Assured.
Oriental Insurance Janata Personal Accident Policy Eligibility Conditions
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Oriental Janata Personal Accident Insurance Plan Exclusions
Oreiental Insurance Janta Personal Accidet Plolicy Exclusions are here.
- Payment, in the case of injury or disablement existing on the date of issuance of the policy, is excluded.
- Death or disablement or injury of the insured from,
- Intentional self-injury.
- Suicide or attempted suicide.
- Abuse of substance like drugs and alcohol excluded.
- Caused by insanity.
- If you committed or appeared in any Criminal Activites, You can not claim.
- Death/disablement during racing, big game hunting, shooting and mountaineering.
- War, revolution, civil war, invasion, Nuclear energy, the act of foreign enemies, radiation, etc.
- Disablement /Death during ice hockey, winter sports, etc.
Janata Personal Accident Buying Process
Documents Required and some conditions required to buy Oriental Insurance Janata Personal Accident Plan are,
- The Prosal Form filled by the Nominee.
- The Proposer should give accurate and Complete information.
- Oriental Insurance will not be at risk until they have accepted the proposal.
- Application form along with address proof, photographs (if required by the Oriental Insurance Company) should submit to the company.
- You can also buy Oriental Insurance Janata Personal Accident Policy through Online.
Oriental Insurance Renewal Process
Oriental Personal Accident Renewal Process steps are here.
- Go to the Oriental Insurance Official Website www.orientalinsurance.org.in.
- Click on the Products.
- Select Your Product.
- In the Right side, corner Click on the Renewal Online.
- Enter Your Policy Details.
- Pay your premium Using Net Banking/ Debit Card/ Credit Card.
Oriental Insurance Janata Personal Accident Claim Procedure
- First of all Immediate notification to be given to the Policy issuing office.
- Claim form submitted with a medical certificate and bills.
- For death claim, nominees should submit:
- Death Certificate.
- Original Policy.
- Claim Form.
- Postmortem Report.
- Police Report, if the complaint remains lodged.
- Claims of persons presumed to be dead due to drowning may settle after two years of the submission of the following documents.
- The police report and final investigation report.
- Summary of findings by Customs/Port Authorities.
- The affidavit duly notarized.
- Subject to before, claims of persons of fishing boats which are missing or a total loss. It will be presumed dead and claim settled accordingly.
Oriental Insurance Janata Personal Accident Premium Calculator
You can calculate the premium using Oriental Insurance Janata Personal Accident Premium calculator.
- Name of the Policy Holder.
- Mobile Number.
- Some members.
- Policy period.
- Policy Term.
- Premium.
- Age and Sum assured.
And other details are required to calculate the premium.
Oriental Insurance Janata Personal Accident Premium Rate
- The Oriental Janata Personal Accident Insurance premium rate is Rs.15/- for a sum assured of 25000/-.
- Sum assured shall raise in multiples of Rs 25,000/-, and the premium charged accordingly.
Furthermore, details regarding the Oriental Janata Personal Accident Insurance Policy, Download the Plan Broucher.