{"uin":"GODPAGP26041V022526","name":"Digit Group Janata Personal Accident Policy","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526","insurer":{"slug":"go-digit-general-insurance","name":"Go Digit General Insurance Limited","url":"https://indiainsurances.com/insurer/go-digit-general-insurance"},"line":"health","category":"personal-accident","category_name":"Personal accident","irdai_type":"Group","kind":"product","status":"active","approved_on":"2020-10-14","withdrawn_on":null,"summary":"Digit Group Janata Personal Accident Policy is a group personal accident benefit policy with accidental death, permanent total disability and permanent partial disability benefits. It pays 100% of the sum insured for accidental death or permanent total disability within 12 months and 50% for specified permanent partial disability.","analysis":{"state":"machine","analysed_at":"2026-10-19 17:55:12.465576+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":"The documents do not name separate plans or variants.","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 1 year. For a credit linked policy, the tenure can extend up to 5 years subject to the maximum loan period, and short term policies of less than 1 year can be issued for specific events.","display":"1 year; credit linked up to 5 years; short term for specific events","note":null,"quote":"The Policy can be issued for tenure of 1 year. However, in case of Credit Linked Policy, policy tenure can be extended up to 5 years subject to maximum of Loan Period. Short term policy (ie. Less than 1 year) can also be issued for specific events.","sources":[{"clause":null,"heading":"13. POLICY PERIOD","page":9,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-13-policy-period"}],"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":"Inform the insurer immediately and within 30 days from the date of the accident or incident, and submit all documents within 30 days from intimation. In case of death, the claimant must inform the insurer in writing immediately and send the post-mortem report, if conducted, within 30 days.","display":"Immediately and within 30 days of accident; documents within 30 days of intimation","note":"Condonation of delay may be considered where hardship is proved to the insurer's satisfaction.","quote":"Policyholder or the Insured Person or someone claiming on his/her behalf must inform Us immediately and in any event within 30 days from the date of occurrence any accident/incident that may result in a claim and submit all documents to us within 30 days from the date of intimation. ... In case of the Insured Person’s death, someone claiming on his/her behalf must inform us in writing immediately and send us a copy of the post-mortem report (if conducted) within 30 days.","sources":[{"clause":"II(a)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-ii-a-6"},{"clause":"II(d)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-ii-d"}],"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 the Insured/Insured’s Nominee/Legal Heir","NEFT Details or Cancelled Cheque of the Insured/Insured’s Nominee/Legal Heir","ID proof (KYC document) of insured and Nominee","address proof wherever applicable","Copy of Address Proof (Ration Card or Electricity Bill Copy)","Attested Copy of Death Certificate","Death Summary/Certificate from the hospital authority (wherever applicable)","Burial Certificate (wherever applicable)","Attested Copy of Statement of Witness, if any lodged with police authorities. (wherever applicable)","Attested Copy of FIR / Panchanama / Inquest Panchanama. (wherever applicable)","Attested Copy of Post Mortem Report (Only if conducted)","Attested Copy of Viscera report if any (Only if Post Mortem is conducted)","Copy of FIR and the missing report filed with Policy (In case of Disappearance)","Attested copy confirming disappearance from appropriate authority following a forced landing, stranding, sinking or wrecking of Common Carrier (in case of Disappearance)","Attested Copy of disability certificate from relevant government Medical authority","Attested copy of FIR. (If required)","All Investigation reports confirming the disability","Complete Treatment record with follow-up documentation","Disability assessment report from Digit empanelled medical specialist (if required)","Any other document required on case-to-case basis"],"display":"Claim form, bank details, KYC, address proof, and accident-specific death or disability documents","note":"Documents are required wherever applicable.","quote":"In addition to the Duly Completed Claim Form signed by the Insured/Insured’s Nominee/Legal Heir & NEFT Details or Cancelled Cheque of the Insured/Insured’s Nominee/Legal Heir, ID proof (KYC document) of insured and Nominee, address proof wherever applicable, We need to have the below documents, wherever applicable: ... Accidental Death | • Copy of Address Proof (Ration Card or Electricity Bill Copy). • Attested Copy of Death Certificate. • Death Summary/Certificate from the hospital authority (wherever applicable) • Burial Certificate (wherever applicable). • Attested Copy of Statement of Witness, if any lodged with police authorities. (wherever applicable). • Attested Copy of FIR / Panchanama / Inquest Panchanama. (wherever applicable). • Attested Copy of Post Mortem Report (Only if conducted). • Attested Copy of Viscera report if any (Only if Post Mortem is conducted). • Copy of FIR and the missing report filed with Policy (In case of Disappearance) • Attested copy confirming disappearance from appropriate authority following a forced landing, stranding, sinking or wrecking of Common Carrier (in case of Disappearance) • Any other document required on case-to-case basis ... Permanent Total Disablement Permanent Partial Disablement | • Attested Copy of disability certificate from relevant government Medical authority. • Attested copy of FIR. (If required) • All Investigation reports confirming the disability. • Complete Treatment record with follow-up documentation. • Disability assessment report from Digit empanelled medical specialist (if required) • Any other document required on case-to-case basis","sources":[{"clause":"II(d)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-ii-d"}],"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":"quote-verified","value":"The company shall settle or reject a claim within 15 days from submission of claim. If not settled within the specified timelines, the claimant is entitled to interest at bank rate plus 2 percent from the date of receipt of intimation until payment.","display":"Within 15 days from submission of claim; delay interest at bank rate plus 2 percent","note":null,"quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from submission of claim. ... In case the claim is not settled within the specified timelines, then the claimant is entitled for interest at bank rate plus 2 percent from the date of receipt of intimation to till the date of payment.","sources":[{"clause":"II(c)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-ii-c-5"},{"clause":"II(d)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-ii-d-2"}],"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","Suicide or attempted suicide, while sane or insane, or due to use, misuse or abuse of narcotic or intoxicating drugs or alcohol or solvent","Intentional self-injury, wilful or deliberate exposure to danger","Any claim arising from use or consumption of narcotic or intoxicating drugs or alcohol or solvent, or taking of drugs","Pre-Existing Condition- Any claim arising out of accidental bodily injury existing on the date of issue of this Policy.","War and hazardous substances","Legal Liability","Defence Operation"],"display":"Hazardous or adventure sports; breach of law; suicide and self-injury; narcotic or alcohol use; pre-existing condition; war and hazardous substances; legal liability; defence operation","note":null,"quote":"Hazardous or Adventure sports: Code- Excl09 ... Breach of law: Code- Excl10 ... Suicide or attempted suicide, while sane or insane, or due to use, misuse or abuse of narcotic or intoxicating drugs or alcohol or solvent ... Intentional self-injury, wilful or deliberate exposure to danger ... Any claim arising from use or consumption of narcotic or intoxicating drugs or alcohol or solvent, or taking of drugs, except where the insured is not directly responsible for the injury / accident though under influence of intoxication ... Pre-Existing Condition- Any claim arising out of accidental bodily injury existing on the date of issue of this Policy. ... War and hazardous substances ... Legal Liability ... Defence Operation","sources":[{"clause":"1","heading":"Hazardous or Adventure sports: Code- Excl09","page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-1-2"},{"clause":"2","heading":"Breach of law: Code- Excl10","page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-2-2"},{"clause":"3","heading":"Suicide and Self-Injury","page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-3-2"},{"clause":"4","heading":null,"page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-4-2"},{"clause":"5","heading":null,"page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-5-2"},{"clause":"6","heading":"War and hazardous substances","page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-6-2"},{"clause":"7","heading":"Legal Liability","page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-7-2"},{"clause":"8","heading":"Defence Operation","page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-8-2"}],"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 number, email, senior citizen contacts, or a branch grievance cell. If not satisfied, the insured person may contact the grievance officer at grievance@godigit.com before approaching the Insurance Ombudsman.","display":"Contact Digit through website, toll free number, email or branch; then grievance officer at grievance@godigit.com","note":null,"quote":"In case of any grievance the insured person may contact the company through Website: https://www.godigit.com Toll Free: 1-800-258- 4242 Email: hello@godigit.com Senior citizens can now contact us on 1-800-258-4242 or write to us at seniors@godigit.com Insured person may also approach the grievance cell at any of the company's branches with the details of grievance If Insured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at grievance@godigit.com","sources":[{"clause":"12","heading":"CUSTOMER GRIEVANCE REDRESSAL POLICY","page":8,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-12-2"}],"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 says the sum insured is the amount opted and stated in the Policy Schedule/Certificate of Insurance, but it 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 benefit policy for accidental bodily injury, not an illness hospitalisation policy; the CIS states waiting period is NA.","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 benefit policy and does not set a waiting period for pre-existing diseases; it excludes pre-existing accidental bodily injury instead.","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 benefit policy and does not cover named illnesses or procedures subject to a specific illness 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 benefit policy and the CIS states waiting period is NA, so there is no list of illnesses 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":"quote-verified","value":{"unit":"months","amount":60},"display":"60 continuous months","note":"For enhanced sums insured, the 60 continuous months applies from the date of enhancement only on the enhanced limits.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as moratorium period.","sources":[{"clause":"6","heading":"MORATORIUM PERIOD","page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-6-3"}],"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":"quote-verified","value":"For indemnity based insurance sections, the policyholder has the choice to port policies from one insurer to another and transfer credits including sum insured, no claim bonus, specific waiting periods, pre-existing disease waiting period and moratorium period.","display":"Portability allowed for indemnity based insurance sections with transfer of credits","note":"The portability clause is expressly introduced as applying in case of indemnity based insurance sections.","quote":"In case of Indemnity based Insurance sections: ... A Policyholder has the choice to port his/ her policies from one Insurer to another. ... The policyholder is entitled to transfer the credits gained to the extent of the Sum Insured, No Claim Bonus, specific waiting periods, waiting period for pre-existing disease , Moratorium period etc from the Existing Insurer to the Acquiring Insurer in the previous policy","sources":[{"clause":"10","heading":"PORTABILITY","page":8,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-10-2"},{"clause":"10(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-10-a"},{"clause":"10(d)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-10-d"}],"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":"The policy says it is ordinarily renewable, but does not state lifelong renewal or no maximum renewal age.","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":"No loading shall apply on renewals based on individual claims experience.","display":"No loading on renewals based on individual claims experience","note":null,"quote":"No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":null,"heading":"32. RENEWAL","page":13,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-32-renewal"}],"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","Suicide and Self-Injury","use or consumption of narcotic or intoxicating drugs or alcohol or solvent, or taking of drugs","Pre-Existing Condition- Any claim arising out of accidental bodily injury existing on the date of issue of this Policy.","War and hazardous substances","Legal Liability","Defence Operation"],"display":"Excl09 hazardous or adventure sports; Excl10 breach of law; suicide and self-injury; narcotic or alcohol use; pre-existing condition; war and hazardous substances; legal liability; defence operation","note":null,"quote":"Hazardous or Adventure sports: Code- Excl09 ... Breach of law: Code- Excl10 ... Suicide and Self-Injury ... Any claim arising from use or consumption of narcotic or intoxicating drugs or alcohol or solvent, or taking of drugs, except where the insured is not directly responsible for the injury / accident though under influence of intoxication ... Pre-Existing Condition- Any claim arising out of accidental bodily injury existing on the date of issue of this Policy. ... War and hazardous substances ... Legal Liability ... Defence Operation","sources":[{"clause":"1","heading":"Hazardous or Adventure sports: Code- Excl09","page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-1-2"},{"clause":"2","heading":"Breach of law: Code- Excl10","page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-2-2"},{"clause":"3","heading":"Suicide and Self-Injury","page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-3-2"},{"clause":"4","heading":null,"page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-4-2"},{"clause":"5","heading":null,"page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-5-2"},{"clause":"6","heading":"War and hazardous substances","page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-6-2"},{"clause":"7","heading":"Legal Liability","page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-7-2"},{"clause":"8","heading":"Defence Operation","page":5,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-8-2"}],"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 7 days' written notice, and the company refunds premium for the unexpired policy period as per the cancellation scale. No refund is made where any claim has been admitted or lodged or any benefit has been availed.","display":"7 days' written notice; refund as per cancellation scale; no refund if a claim is admitted, lodged or benefit availed","note":"Refund percentages vary by policy term and period in risk in the printed cancellation scale.","quote":"The policyholder may cancel this policy by giving 7 days' written notice and in such an event, the Company shall refund premium for the unexpired policy period as detailed below ... 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":"7","heading":"CANCELLATION","page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-7-3"},{"clause":null,"heading":"Cancellation Scale","page":7,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-cancellation-scale"}],"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":"The policy applies to incidents anywhere in the world unless a limitation is specifically opted and mentioned in the Policy Schedule or Certificate of Insurance.","display":"Anywhere in the world, unless a specific limitation is opted","note":null,"quote":"This policy applied to incidents anywhere in the world, unless any limitation specifically opted and mentioned in the Policy Schedule / Certificate of Insurance.","sources":[{"clause":null,"heading":"29. TERRITORIAL LIMIT","page":11,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-29-territorial-limit"}],"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":"quote-verified","value":{"unit":"days","amount":15},"display":"15 days for monthly mode; 30 days in all other cases","note":"The renewal clause separately states a 30 days grace period at the end of the policy period.","quote":"The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases. ... At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without break in policy.","sources":[{"clause":"5","heading":"Grace period","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-5"},{"clause":null,"heading":"32. RENEWAL","page":13,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-32-renewal"}],"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":"not-stated","value":null,"display":null,"note":"The documents do not state the youngest and oldest entry age for buying the policy.","quote":null,"sources":[],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Half Yearly","Quarterly","Monthly"],"display":"Half Yearly, Quarterly or Monthly instalments","note":"The wording states these instalment modes; it does not expressly list yearly as a premium payment mode.","quote":"If the insured person has opted for Payment of Premium on an instalment basis i.e. Half Yearly, Quarterly or Monthly, as mentioned in Your Policy Schedule/Certificate of Insurance","sources":[{"clause":"4","heading":"SPECIAL CONDITIONS APPLICABLE FOR POLICIES ISSUED WITH PREMIUM PAYMENT ON INSTALMENT BASIS","page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-4-3"}],"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 optional covers for extra premium are listed in the documents provided.","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":"quote-verified","value":"Coverage is not available during the grace period. For instalment premium, coverage will not be available from the due date of instalment premium until the date the company receives the premium.","display":"No coverage during the grace period","note":"The definition clause also says coverage need not be available during the unpaid period and says coverage shall be offered during grace if premium is paid in instalments; the specific instalment and renewal clauses say coverage is not available.","quote":"During such grace period, Coverage will not be available from the due date of instalment premium till the date of receipt of premium by Company. ... Coverage is not available during the grace period. ... Coverage need not be available during the period for which no premium is received. The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases. Provided the insurers shall offer coverage during the grace period, if the premium is paid in instalments during the policy.","sources":[{"clause":"4","heading":"SPECIAL CONDITIONS APPLICABLE FOR POLICIES ISSUED WITH PREMIUM PAYMENT ON INSTALMENT BASIS","page":6,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-4-3"},{"clause":null,"heading":"32. RENEWAL","page":13,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-32-renewal"},{"clause":"5","heading":"Grace period","page":1,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-5"}],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"quote-verified","value":"If accidental bodily injury causes the insured's death within 12 months of the injury being sustained, the policy pays 100% of the sum insured as stated in the Policy Schedule or Certificate of Insurance. Disappearance is also covered if the insured member's full body cannot be located for 12 consecutive months after specified common carrier or Act of God events and it is reasonable to believe death resulted from accidental injury.","display":"100% of Sum Insured if accidental bodily injury causes death within 12 months","note":null,"quote":"We will pay 100% of the Sum Insured as stated in the Policy schedule/ Certificate of Insurance in the event of Accidental Bodily Injury causing the Insured’s death within 12 months of the Accidental Bodily Injury being sustained. ... We shall be liable to be pay under this benefit, if the Insured Member’s full body cannot be located within a period of consecutive twelve (12) months, following a forced landing, stranding, sinking, or wrecking of a Common Carrier in which such Insured Member was known to have been travelling as a fare paying passenger or in any event arising as a result of Act of God Perils during the Policy Period, where it is reasonable to believe that such Insured Member has died as a result of an Accidental Injury.","sources":[{"clause":"C(a)","heading":"Death","page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-c-a"},{"clause":null,"heading":"Additional Benefit under Death Cover","page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-additional-benefit-under-death-cover"}],"law":[]},{"key":"permanent_total_disability","label":"Permanent total disability","section":"Cover","meaning":"What is paid for permanent total disability.","status":"quote-verified","value":"If accidental bodily injury causes permanent total disability within 12 months of the injury being sustained, the policy pays 100% of the sum insured as stated in the Policy Schedule or Certificate of Insurance.","display":"100% of Sum Insured if accidental bodily injury causes Permanent Total Disability within 12 months","note":"Permanent Total Disability is defined to include total paralysis, loss of sight of both eyes, loss or loss of use of two limbs, loss of sight of one eye plus loss or loss of use of a limb, and total and irrecoverable loss of speech and hearing of both ears.","quote":"In the event of Accidental Bodily Injury causing the Insured’s Permanent Total Disability within 12 months of the Accidental Bodily Injury being sustained, We will pay 100% of the Sum Insured as stated in the Policy schedule/Certificate of Insurance","sources":[{"clause":"C(b)","heading":"Permanent Total Disability","page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-c-b"}],"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":"If accidental bodily injury causes total and irrecoverable loss of sight of one eye, or total and irrecoverable loss of use of a hand or a foot within 12 months, the policy pays 50% of the sum insured. After payment, the total sum insured is reduced by the amount paid and the maximum liability is limited to the sum insured.","display":"50% of Sum Insured for loss of sight of one eye or loss of use of a hand or foot within 12 months","note":null,"quote":"In the event of Accidental Bodily Injury causing the total and irrecoverable loss of sight of one eye, or total and irrecoverable loss of use of a hand or a foot within 12 months of the Accidental Bodily Injury being sustained, We will pay 50% of the Sum Insured stated in the Policy Schedule/ Certificate of Insurance. ... upon payment of claim under the benefit, the Total Sum Insured shall stand reduced by the amount paid under the said claim. Our maximum liability under the policy will be limited to the Sum insured as mentioned in the Policy Schedule.","sources":[{"clause":"C(c)","heading":"Permanent Partial Disability","page":4,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-c-c"}],"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 listed benefits are accidental death, permanent total disability and permanent partial disability; no temporary total disability weekly income benefit is stated.","quote":null,"sources":[],"law":[]},{"key":"accident_medical","label":"Accident medical expenses","section":"Cover","meaning":"Treatment costs after an accident.","status":"not-stated","value":null,"display":null,"note":"The benefits section does not state a medical expenses reimbursement benefit for treatment costs after an accident.","quote":null,"sources":[],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"quote-verified","value":"The insured or insured member must immediately notify the company in writing of any material change in risk or change in business or occupation during the policy period. The company may adjust the scope of cover or the premium if necessary, but notification is not mandatory when only the employer changes and the nature of occupation does not change.","display":"Change in business or occupation must be notified; cover or premium may be adjusted","note":null,"quote":"The Insured/ Insured Member shall immediately notify the Company in writing of any material change in the risk or change in business or occupation during the Policy Period. Insured should also at his own expense take precautions as circumstances may require ensuring safety thereby containing the circumstances that may give rise to a claim. The Company may adjust the scope of the cover and/or the premium, if necessary, accordingly. The above notification is not mandatory when only the employer changes, but the nature of occupation does not change.","sources":[{"clause":null,"heading":"19. MATERIAL CHANGE / CHANGE OF OCCUPATION","page":10,"url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491#c-19-material-change-change-of-occupation"}],"law":[]}],"documents":[{"kind":"wording","label":"Policy Wordings - Digit Group Janata Personal Accident Policy - GODPAGP26041V022526","pages":15,"fetched_at":"2026-10-17 19:36:54+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/health/policy-wording-digit-group-janata-personal-accident-revision.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/491"},{"kind":"wording","label":"Digit Group Janata Personal Accident Policy (IRDAI copy)","pages":14,"fetched_at":"2026-10-20 01:51:02+00","source_url":"https://irdai.gov.in/documents/37343/931203/GODPAGP21540V012021_2020-2021.pdf/5bf2d49a-326e-73d4-d2f0-35c843e43cac?version=1.1&t=1668579796645&download=true","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/27496"},{"kind":"cis","label":"CIS - Digit Group Janata Personal Accident Policy - GODPAGP26041V022526","pages":4,"fetched_at":"2026-10-17 19:36:01+00","source_url":"https://www.godigit.com/content/dam/godigit/directportal/en/downloads/health/cis-digit-group-janata-personal-accident-policy-revision.pdf","url":"https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526/document/459"}],"versions":[{"uin":"GODPAGP21540V012021","version":null,"approved_on":null},{"uin":"GODPAGP26041V022526","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Go Digit General Insurance official website","url":"https://www.godigit.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 claims","url":"https://www.godigit.com/motor-claims","note":null},{"purpose":"claim","kind":"insurer","name":"Travel claims","url":"https://www.godigit.com/international-travel-insurance/file-a-claim","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 procedure","url":"https://www.godigit.com/claim/grievance-redressal-procedure","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."}],"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":"Digit Group Janata Personal Accident Policy (UIN GODPAGP26041V022526), IndiaInsurances, https://indiainsurances.com/policy/go-digit-general-insurance/digit-group-janata-personal-accident-policy-godpagp26041v022526"}