{"uin":"GCIPAGP18010V011718","name":"Janata Personal Accident - Group","url":"https://indiainsurances.com/policy/generali-central-insurance/janata-personal-accident-group-gcipagp18010v011718","insurer":{"slug":"generali-central-insurance","name":"Generali Central Insurance Company Limited","url":"https://indiainsurances.com/insurer/generali-central-insurance"},"line":"health","category":"personal-accident","category_name":"Personal accident","irdai_type":null,"kind":"product","status":"active","approved_on":"2017-07-05","withdrawn_on":null,"summary":"This is a group personal accident policy covering accidental bodily injury worldwide with claim payments made in India and in Indian rupees. It covers accidental death and specified permanent disablements up to the Capital Sum Insured stated in the Schedule, with entry age 18 to 70 years and dependent children from 2 years to 25 years.","analysis":{"state":"machine","analysed_at":"2026-10-19 20:01:45.540732+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"No named plan variants are printed in the wording.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy can be issued for a minimum tenure of 1 year and a maximum term of up to 5 years, or up to the loan period, whichever is less, if it is credit linked.","display":"Minimum 1 year; maximum up to 5 years or up to the loan period, whichever is less, if credit linked","note":null,"quote":"1. The Policy can be issued for a minimum tenure of 1 year.\n2. The Policy can be issued for a maximum term of up to 5 years or up to the loan period, whichever is less, in case it is credit linked.","sources":[{"clause":"15","heading":"POLICY PERIOD","page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/janata-personal-accident-group-gcipagp18010v011718/document/6125#c-15"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Notification of Claim must be given in writing immediately and in any event within 30 days. In case of death, the claimant must inform the insurer in writing immediately and send the listed necessary documents within 30 days; delay conditions may be waived for justified hardship with documentation.","display":"Immediately and in any event within 30 days; death claims also require written intimation immediately and documents within 30 days","note":null,"quote":"ii) You or someone claiming on your behalf must give us Notification of Claim in writing immediately and in any event within 30 days. ... vi) In case of Your death, someone claiming on your behalf must inform Us in writing immediately and send Us a copy of the necessary documents including Post Mortem report (if conducted), FIR , Death certificate, Police Panchanama or any other document that we ask for within 30 days. ... vii) In case of hardships faced by the insured or person claiming on behalf of the insured the conditions as specified under (ii) and (vi) will be waived for which the insured or anyone claiming on behalf has to justify delay with documentation.","sources":[{"clause":"7(ii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/janata-personal-accident-group-gcipagp18010v011718/document/6125#c-7-ii"},{"clause":"7(vi)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/janata-personal-accident-group-gcipagp18010v011718/document/6125#c-7-vi"},{"clause":"7(vii)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/janata-personal-accident-group-gcipagp18010v011718/document/6125#c-7-vii"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly Completed Claim Form signed by Insured/ Nominee along with completely filled Attending Physician’s Statement","Photocopy of Policy Schedule","Copies of medical documents supporting the accidental injury and treatment taken related to the same","For Physical Disabilities related with separation of limbs or complete loss of organs - Copy of Disability Certificate issued by Orthopedic Surgeon mentioning the type and percentage of disability.","Original Investigation Reports and copies of reports, X - Ray films supporting the accidental injury. Post- Operative X-ray films, if any.","Photographs of the Insured Person highlighting the injury / disability.","Copy of FIR / MLC (if registered)/ Panchnama, wherever applicable","Copy of Photo ID and Address Proof of Insured Member for whom Claim is lodged","Copy of Death Summary, Treatment Papers & Investigation Reports, in case of Death Claim","Copy of Death Certificate, in case of Death Claim","Copy of Post Mortem / Viscera Report, in case of Death Claim","Copy of Final Police Investigation Report, in case of Death Claim","Photographs and Newspaper reports related to the accident, in case of Death Claim","Original Discharge Summary of Hospital mentioning the date of admission, date of discharge, presenting complaints with duration, clinical condition, detailed line of treatment, final diagnosis and past medical and surgical history with duration, wherever applicable"],"display":"Indicative list includes claim form, policy schedule, medical documents, disability certificate, investigation reports/X-rays, photographs, FIR/MLC/Panchnama, ID/address proof, death-claim papers and discharge summary, as applicable","note":"The document says the list is indicative and additional documents may be asked for specific claims.","quote":"The documents mentioned below are an indicative list. Additional documents may be asked, if required, for specific claims.\nPhotocopies of any document submitted must be attested by the Genearli Central Branch Manager/ Gazetted Officer.\n• Duly Completed Claim Form signed by Insured/ Nominee along with completely filled Attending Physician’s Statement\n• Photocopy of Policy Schedule\n• Copies of medical documents supporting the accidental injury and treatment taken related to the same\n• For Physical Disabilities related with separation of limbs or complete loss of organs - Copy of Disability Certificate issued by Orthopedic Surgeon mentioning the type and percentage of disability.\n• Original Investigation Reports and copies of reports, X - Ray films supporting the accidental injury. Post- Operative X-ray films, if any.\n• Photographs of the Insured Person highlighting the injury / disability.\n• Copy of FIR / MLC (if registered)/ Panchnama, wherever applicable\n• Copy of Photo ID and Address Proof of Insured Member for whom Claim is lodged\n• Copy of Death Summary, Treatment Papers & Investigation Reports, in case of Death Claim\n• Copy of Death Certificate, in case of Death Claim\n• Copy of Post Mortem / Viscera Report, in case of Death Claim\n• Copy of Final Police Investigation Report, in case of Death Claim\n• Photographs and Newspaper reports related to the accident, in case of Death Claim\n• Original Discharge Summary of Hospital mentioning the date of admission, date of discharge, presenting complaints with duration, clinical condition, detailed line of treatment, final diagnosis and past medical and surgical history with duration, wherever applicable","sources":[{"clause":"9","heading":"Claim Documents","page":9,"url":"https://indiainsurances.com/policy/generali-central-insurance/janata-personal-accident-group-gcipagp18010v011718/document/6125#c-9"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Hazardous or Adventure sports: Code- Excl09","Breach of law: Code- Excl10","Code- Excl12 Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.","Unproven Treatments: Code- Excl16","Service on duty with any Armed Force","Medical expenses or Surgery expenses","Intentional self-injury (including but not limited to the use or misuse of any intoxicating drugs or alcohol).","Accident while under the influence of alcohol or drugs.","Participation in an actual or attempted felony, riot, crime, misdemeanor or civil commotion.","Whilst engaging in Aviation or Ballooning","Participating in motor racing or trial run as a driver, co-driver or passenger.","Pregnancy and childbirth, miscarriage, abortion or complications arising out of any of these.","War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, commotion unrest, rebellion, revolution, insurrection, military or usurped power","Nuclear energy, radiation.","Any pre-existing disablement prior to the inception of the policy."],"display":"Main exclusions include hazardous/adventure sports as a professional, breach of law, alcoholism/drug abuse, unproven treatments, armed force duty, medical or surgery expenses, self-injury, alcohol/drug influence, felony/riot/crime, aviation/ballooning, motor racing, pregnancy/childbirth, war, nuclear energy/radiation and pre-existing disablement","note":null,"quote":"a) Hazardous or Adventure sports: Code- Excl09 Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports, including but not limited to scuba diving, motor racing, parachuting, hang gliding, rock or mountain climbing etc. unless specifically agreed by the Insurance Company. ... b) Breach of law: Code- Excl10 Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. ... c) Code- Excl12 Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... d) Unproven Treatments: Code- Excl16 Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. Unproven treatments are treatments, procedures or supplies that lack significant medical documentation to support their effectiveness.\nII) Specific Exclusions We will not pay for any expenses incurred by You in respect of claims arising out of or howsoever related to any of the following:\na) Service on duty with any Armed Force\nb) Medical expenses or Surgery expenses\nc) Intentional self-injury (including but not limited to the use or misuse of any intoxicating drugs or alcohol).\nd) Accident while under the influence of alcohol or drugs.\ne) Participation in an actual or attempted felony, riot, crime, misdemeanor or civil commotion.\nf) Whilst engaging in Aviation or Ballooning or whilst mounting into, dismounting from or travelling in any balloon or aircraft other than as passenger (fare paying or otherwise) in any duly licensed standard type of aircraft.\ng) Participating in motor racing or trial run as a driver, co-driver or passenger.\nh) Curative treatments or interventions that the Insured Person carries out or have carried out on his body.\ni) Pregnancy and childbirth, miscarriage, abortion or complications arising out of any of these.\nj) War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, commotion unrest, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalization or requisition of or damage or under the order of any government or public authority.\nk) Nuclear energy, radiation.\nl) Any pre-existing disablement prior to the inception of the policy.","sources":[{"clause":"D(I)(a)","heading":"Hazardous or Adventure sports","page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/janata-personal-accident-group-gcipagp18010v011718/document/6125#c-d-i-a"},{"clause":"D(I)(b)","heading":"Breach of law","page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/janata-personal-accident-group-gcipagp18010v011718/document/6125#c-d-i-b"},{"clause":"D(I)(c)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/janata-personal-accident-group-gcipagp18010v011718/document/6125#c-d-i-c"},{"clause":"D(I)(d)","heading":"Unproven Treatments","page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/janata-personal-accident-group-gcipagp18010v011718/document/6125#c-d-i-d"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For grievances, the insured person may contact the company through its website, toll-free numbers, email, courier or branches. If not satisfied, the insured person may contact the grievance officer at GCIGRO@generalicentral.com or 7900197777 before approaching the Insurance Ombudsman.","display":"Contact the company first by website, toll-free numbers, email, courier or branch; if not satisfied, contact the grievance officer at GCIGRO@generalicentral.com or 7900197777","note":null,"quote":"In case of any grievance the insured person may contact the company through Website: https://generalicentralinsurance.com Toll Free: 1800-220-233 / 1860-500-3333 / 022-67837800 Email: GCIcare@generalicentral.com Courier: Grievance Redressal Cell, Generali Central Insurance Company Limited.. Unit No. 301, 3rd Floor Part, Building No. 8, Mindspace IT/ITES SEZ, MIDC Industrial Area, Airavali, Navi Mumbai, Thane District – 400 708.\nInsured person may also approach the grievance cell at any of the company's branches with the details of grievance lf lnsured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at GCIGRO@generalicentral.com or call at:\n7900197777For | updated | details | of | grievance | officer, | kindly | refer | the | link\nhttps://www.generalicentralinsurance.com/customer-service/grievance-redressal","sources":[{"clause":"6","heading":"Redressal of Grievance","page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/janata-personal-accident-group-gcipagp18010v011718/document/6125#c-6"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"not-stated","value":null,"display":null,"note":"The wording refers to the Capital Sum Insured or Capital Sum Assured stated in the Schedule, but does not print selectable cover amounts.","quote":null,"sources":[],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"not-applicable","value":null,"display":null,"note":"This is a personal accident policy and does not cover illness claims subject to an initial illness waiting period.","quote":null,"sources":[],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"not-applicable","value":null,"display":null,"note":"This is a personal accident policy; pre-existing disablement is excluded rather than covered after a disease waiting period.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"not-applicable","value":null,"display":null,"note":"This is a personal accident policy and has no illness/procedure-specific waiting period.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"not-applicable","value":null,"display":null,"note":"This is a personal accident policy and has no list of illnesses or procedures with a specific waiting period.","quote":null,"sources":[],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"not-stated","value":null,"display":null,"note":"The wording mentions credit for Moratorium period during migration but does not state a moratorium period.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"not-stated","value":null,"display":null,"note":"The wording states migration to other health insurance products/plans offered by the Company, but does not state portability to another insurer.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"not-stated","value":null,"display":null,"note":"Renewal by mutual consent is mentioned, but no lifelong renewal promise without a maximum age is printed.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"At renewal of the group policy, the total premium can be loaded based on the incurred claims ratio for the entire group under the Janata Personal Accident - Group Policy.","display":"Renewal loading applies on experience basis for high incurred claim ratio of the entire group, from 25% to 150%, and over 200% cover is reviewed","note":"The loading is based on the group policy incurred claims ratio, not an individual insured person's claim alone.","quote":"The Total Premium payable at renewal of the group policy will be loaded at the following scale depending upon the incurred claims ratio for the entire group insured under the Janata Personal Accident - Group Policy for the preceding 3 completed years excluding the year immediately preceding the date of renewal. Where the Janata Personal Accident - Group Policy has not been in force for the 3 completed years, such shorter periods of completed years excluding the year immediately preceding the date of renewal will be taken in to account.\nIncurred Claim Ratio under the Group Policy | Loading as % of basic premium\nBetween 80% and 100% | 25%\nBetween 101% and 125% | 55%\nBetween 126% and 150% | 90%\nBetween 151% and 175% | 120%\nBetween 176% and 200% | 150%\nOver 200% | Cover to be reviewed","sources":[{"clause":"14(c)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/generali-central-insurance/janata-personal-accident-group-gcipagp18010v011718/document/6125#c-14-c"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Hazardous or Adventure sports: Code- Excl09","Breach of law: Code- Excl10","Code- Excl12 Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.","Unproven Treatments: Code- Excl16","Service on duty with any Armed Force","Medical expenses or Surgery expenses","Intentional self-injury (including but not limited to the use or misuse of any intoxicating drugs or alcohol).","Accident while under the influence of alcohol or drugs.","Participation in an actual or attempted felony, riot, crime, misdemeanor or civil commotion.","Aviation or Ballooning other than as passenger in any duly licensed standard type of aircraft","Participating in motor racing or trial run as a driver, co-driver or passenger.","Curative treatments or interventions that the Insured Person carries out or have carried out on his body.","Pregnancy and childbirth, miscarriage, abortion or complications arising out of any of these.","War, invasion, acts of foreign enemies, hostilities, civil war, commotion unrest, rebellion, revolution, insurrection, military or usurped power","Nuclear energy, radiation.","Any pre-existing disablement prior to the inception of the policy.","Expenses incurred for emergency medical evacuation","Bodily Injury caused by or arising from terrorism, except in case where the policy holder is a victim of terrorist act and not abetting terrorism"],"display":"Permanent exclusions include Excl09, Excl10, Excl12 and Excl16, plus armed force duty, medical/surgery expenses, self-injury, alcohol/drug influence, felony/riot/crime, aviation/ballooning, motor racing, curative interventions, pregnancy/childbirth, war, nuclear energy/radiation, pre-existing disablement, emergency evacuation expenses and terrorism except victim cases","note":null,"quote":"a) Hazardous or Adventure sports: Code- Excl09 Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports, including but not limited to scuba diving, motor racing, parachuting, hang gliding, rock or mountain climbing etc. unless specifically agreed by the Insurance Company. ... b) Breach of law: Code- Excl10 Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. ... c) Code- Excl12 Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... d) Unproven Treatments: Code- Excl16 Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. ... a) Service on duty with any Armed Force\nb) Medical expenses or Surgery expenses\nc) Intentional self-injury (including but not limited to the use or misuse of any intoxicating drugs or alcohol).\nd) Accident while under the influence of alcohol or drugs.\ne) Participation in an actual or attempted felony, riot, crime, misdemeanor or civil commotion.\nf) Whilst engaging in Aviation or Ballooning or whilst mounting into, dismounting from or travelling in any balloon or aircraft other than as passenger (fare paying or otherwise) in any duly licensed standard type of aircraft.\ng) Participating in motor racing or trial run as a driver, co-driver or passenger.\nh) Curative treatments or interventions that the Insured Person carries out or have carried out on his body.\ni) Pregnancy and childbirth, miscarriage, abortion or complications arising out of any of these.\nj) War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, commotion unrest, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalization or requisition of or damage or under the order of any government or public authority.\nk) Nuclear energy, radiation.\nl) Any pre-existing disablement prior to the inception of the policy.\nm) Any expense incurred which is not exclusively medical in nature/ Unproven or Experimental treatment of any description\nn) Expenses incurred for emergency medical evacuation ... q) Bodily Injury caused by or arising from terrorism, except in case where the policy holder is a victim of terrorist act and not abetting terrorism","sources":[{"clause":"D(I)(a)","heading":"Hazardous or Adventure sports","page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/janata-personal-accident-group-gcipagp18010v011718/document/6125#c-d-i-a"},{"clause":"D(I)(b)","heading":"Breach of law","page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/janata-personal-accident-group-gcipagp18010v011718/document/6125#c-d-i-b"},{"clause":"D(I)(c)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/janata-personal-accident-group-gcipagp18010v011718/document/6125#c-d-i-c"},{"clause":"D(I)(d)","heading":"Unproven Treatments","page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/janata-personal-accident-group-gcipagp18010v011718/document/6125#c-d-i-d"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel by giving 15 days' written notice. For policy periods not exceeding one year, the insurer retains premium on the printed short-term scale; if the policy period exceeds one year, refund is pro-rata for the period cover is provided, subject to minimum retention of 25%. No premium refund is made where any claim has been admitted or lodged or any benefit has been availed.","display":"15 days' notice; short-term scale up to 1 year; if over 1 year, pro-rata refund subject to minimum 25% retention; no refund if claim admitted/lodged or benefit availed","note":null,"quote":"c) The policy holder may cancel the policy by giving us 15 days’ notice in writing. We shall refund You balance premium after retaining premium as per the short term scale for the unexpired Policy Period as shown below:\nPolicy Period not exceeding | % of annual rate\n1 month | 25%\n3 months | 40%\n6 months | 75%\n9 months | 90%\nExceeding 9 months | 100%\nIn case the Policy Period exceeds one year, this Policy may be cancelled by the Insured Person at any time by giving at least 15 days written notice to Us. We will refund premium on a pro-rata basis by reference to the time period cover is provided, subject to a minimum retention of premium of 25%. ... h) Notwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the insured person under the policy.","sources":[{"clause":"11(c)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/janata-personal-accident-group-gcipagp18010v011718/document/6125#c-11-c"},{"clause":"11(h)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/janata-personal-accident-group-gcipagp18010v011718/document/6125#c-11-h"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"Accidental bodily injury is covered anywhere in the World, subject to travel and other restrictions that the Indian Government may impose, but payment is made within India and in Indian Rupees.","display":"Anywhere in the World, subject to Indian Government travel and other restrictions; payment within India and in Indian Rupees","note":null,"quote":"We cover Accidental Bodily injury sustained by the Insured Person during the Policy Period anywhere in the World (subject to the travel and other restrictions that the Indian Government may impose), but We will make payment within India and in Indian Rupees.","sources":[{"clause":"19","heading":"TERRITORIAL LIMITS AND LAW","page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/janata-personal-accident-group-gcipagp18010v011718/document/6125#c-19"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"not-stated","value":null,"display":null,"note":"The wording mentions renewal with a provision of grace period, but does not state the number of days.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"The insured person is eligible from 18 years up to 70 years. Dependent children can be covered from age 2 years to 25 years.","display":"18 years to 70 years; dependent children 2 years to 25 years","note":null,"quote":"The Insured Person is eligible to be covered under this policy from 18 years upto the age of 70 years. Dependent children can be covered from age 2 years to 25 years.","sources":[{"clause":null,"heading":"PREAMBLE","page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/janata-personal-accident-group-gcipagp18010v011718/document/6125#c-preamble"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"not-stated","value":null,"display":null,"note":"No named optional covers or add-on benefits are listed in the wording.","quote":null,"sources":[],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"quote-verified","value":"If accidental injury within one calendar year of its occurrence is the sole and direct cause of death of an insured person, the insurer pays the Capital Sum Insured in the Schedule.","display":"Capital Sum Insured in the Schedule if accidental injury causes death within one calendar year","note":null,"quote":"b. If such injury shall within one calendar year of its occurrence be the sole and direct cause of the death of an insured person the Capital Sum insured in Schedule hereto.","sources":[{"clause":null,"heading":"PREAMBLE","page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/janata-personal-accident-group-gcipagp18010v011718/document/6125#c-preamble"}],"law":[]},{"key":"permanent_total_disability","label":"Permanent total disability","section":"Cover","meaning":"What is paid for permanent total disability.","status":"quote-verified","value":"The policy pays the Capital Sum Insured if accidental injury directly causes immediate, permanent, total and absolute disablement from any paid employment or occupation. Permanent Total Disablement means disablement that entirely prevents the insured person from attending to any business or occupation and lasts 12 months and is beyond hope of improvement at the end of that period.","display":"Capital Sum Insured for permanent total disablement; definition requires disablement preventing any business or occupation and lasting 12 months","note":null,"quote":"e. If such injury shall as a direct consequence thereof immediately, permanently, totally and absolutely disable the/ an insured person from engaging in being occupied with or giving attention to paid employment or occupation of any description whatsoever Capital Sum Insured in the Schedule hereto. ... viii) Permanent Total Disablement means disablement which entirely prevents an Insured Person from attending to any Business or Occupation of any and every kind and which lasts 12 months and at the expiry of that period is beyond hope of improvement at the end of that period.","sources":[{"clause":null,"heading":"PREAMBLE","page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/janata-personal-accident-group-gcipagp18010v011718/document/6125#c-preamble"},{"clause":null,"heading":"II. Specific Definitions","page":3,"url":"https://indiainsurances.com/policy/generali-central-insurance/janata-personal-accident-group-gcipagp18010v011718/document/6125#c-ii-specific-definitions"}],"law":[]},{"key":"permanent_partial_disability","label":"Permanent partial disability","section":"Cover","meaning":"The table of payouts for losing a limb, eye, hearing...","status":"quote-verified","value":"The policy pays fifty percent (50%) of the Capital Sum Insured for total and irrecoverable loss of sight of one eye or total and irrecoverable loss of use of a hand or foot due to physical separation.","display":"50% of Capital Sum Insured for loss of sight of one eye or loss of use of a hand or foot due to physical separation","note":"The wording provided only prints this permanent partial disability payout; it does not print a broader limb/eye/hearing table.","quote":"d. If such injury shall within one calendar year of its occurrence be the sole and direct cause of the total and irrecoverable loss of sight of one eye or total and irrecoverable loss of use of a hand or foot due to physical separation fifty percent (50%) of the Capital Sum insured in Schedule hereto.","sources":[{"clause":null,"heading":"PREAMBLE","page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/janata-personal-accident-group-gcipagp18010v011718/document/6125#c-preamble"}],"law":[]},{"key":"temporary_total_disability","label":"Temporary total disability","section":"Cover","meaning":"Weekly income paid while you cannot work after an accident.","status":"not-stated","value":null,"display":null,"note":"The wording does not state a weekly income benefit for temporary total disability.","quote":null,"sources":[],"law":[]},{"key":"accident_medical","label":"Accident medical expenses","section":"Cover","meaning":"Treatment costs after an accident.","status":"quote-verified","value":"Medical expenses or surgery expenses are excluded.","display":"Medical expenses or Surgery expenses are excluded","note":null,"quote":"b) Medical expenses or Surgery expenses","sources":[{"clause":"D(I)(d)","heading":"Unproven Treatments","page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/janata-personal-accident-group-gcipagp18010v011718/document/6125#c-d-i-d"}],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"quote-verified","value":"The policy is issued based on the occupation declared. If the occupation changes, the insured must tell the insurer in writing within 30 days by filling a fresh proposal form; otherwise the insurance ceases from the date of change of occupation.","display":"Occupation must be declared; change in occupation must be notified in writing within 30 days or insurance ceases from the date of change","note":null,"quote":"We have agreed to issue this Policy based on the Occupation of the Insured Person that You have declared to Us while taking this Policy. If there is change in Occupation then You must tell Us in writing within 30 days of the change by filling a fresh Proposal form. If You do not do this, then this insurance will cease as far as that Insured Person is concerned from the date of change of Occupation.","sources":[{"clause":"10","heading":"Communication","page":9,"url":"https://indiainsurances.com/policy/generali-central-insurance/janata-personal-accident-group-gcipagp18010v011718/document/6125#c-10"}],"law":[]}],"documents":[{"kind":"wording","label":"Janata Personal Accident - Group Policy Wordings","pages":14,"fetched_at":"2026-10-17 19:46:10+00","source_url":"https://www.generalicentralinsurance.com/downloads/commercial-insurance/janata-personal-accident-group/policy-wording/janata-personal-accident-group-policy-wordings.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/janata-personal-accident-group-gcipagp18010v011718/document/6125"},{"kind":"wording","label":"Janata Personal Accident – Group (IRDAI copy)","pages":7,"fetched_at":"2026-10-20 01:50:44+00","source_url":"https://irdai.gov.in/documents/37343/931203/FG_JanataPersonalAccidentGroup_2017-2018.pdf/311af647-4f77-f488-af80-c6b9a178068c?version=1.1&t=1668423355807&download=true","url":"https://indiainsurances.com/policy/generali-central-insurance/janata-personal-accident-group-gcipagp18010v011718/document/27477"}],"versions":[{"uin":"FGIPAGP18010V011718","version":null,"approved_on":null},{"uin":"GCIPAGP18010V011718","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Generali Central Insurance official website","url":"https://www.generalicentralinsurance.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Motor claim process","url":"https://www.generalicentralinsurance.com/motor-insurance/motor-claim-process","note":null},{"purpose":"claim","kind":"insurer","name":"Other claim process","url":"https://www.generalicentralinsurance.com/other-claim-process","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.generalicentralinsurance.com/customer-service/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renewals","url":"https://www.generalicentralinsurance.com/renewals","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Janata Personal Accident - Group (UIN GCIPAGP18010V011718), IndiaInsurances, https://indiainsurances.com/policy/generali-central-insurance/janata-personal-accident-group-gcipagp18010v011718"}