{"uin":"RELPAGP23018V022223","name":"Janata Personal Accident","url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223","insurer":{"slug":"indusind-general-insurance","name":"IndusInd General Insurance Company Limited","url":"https://indiainsurances.com/insurer/indusind-general-insurance"},"line":"health","category":"personal-accident","category_name":"Personal accident","irdai_type":null,"kind":"product","status":"active","approved_on":"2013-09-30","withdrawn_on":null,"summary":"IndusInd Janata Personal Accident is a group benefit policy covering accidental death, permanent total disablement and permanent partial disablement. The sum insured range is Rs 10,000 to Rs 25,00,000, with worldwide accident cover and claim payment in India in Indian Rupees.","analysis":{"state":"machine","analysed_at":"2026-10-19 20:49:46.033437+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":"quote-verified","value":["Option-1: Accidental Death","Option-2: Accidental Death, Permanent Total Disablement, Permanent Partial Disablement"],"display":"Option-1: Accidental Death; Option-2: Accidental Death, Permanent Total Disablement, Permanent Partial Disablement","note":null,"quote":"Options | Covers | Limit\nOption-1 | Accidental Death | 100% of Sum Insured\nOption-2 | Accidental Death | 100% of Sum Insured\nPermanent Total Disablement | 100% of Sum Insured\nnent Total ement\nPermanent Partial Disablement | 50% of Sum Insured","sources":[{"clause":"6.1.4(vi)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9762#c-6-1-4-vi"}],"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 period is one year for non-credit linked policies and up to 5 years for credit linked policies. Event-based policies may be issued for less than 1 year.","display":"1 year for Non-Credit Linked Insurance Policy; maximum upto 5 years for Credit Linked Insurance Policy; event-based policy may be less than 1 year","note":null,"quote":"Policy Period means a period beginning from the Certificate Period Start Date, as specified in Certificate of Insurance; and ending on the Certificate Period End Date as specified in the Certificate of Insurance or on the date of cancellation of the Policy, whichever is earlier. For the purposes of this Policy, the Policy Period shall be one year for Non-Credit Linked Insurance Policy, and maximum upto 5 years for Credit Linked Insurance Policy. Event-based policy may be issued for less than 1 year term.","sources":[{"clause":null,"heading":"16) Policy","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-16-policy"}],"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":"Notify the company immediately by call centre or in writing after an accident or injury that has resulted in or may result in a claim. For death, written notice must be before internment or cremation unless reasonable cause is shown and in any case within one calendar month; loss of sight or amputation must be notified within one calendar month.","display":"Immediately; death before internment/cremation and within one calendar month; loss of sight or amputation within one calendar month","note":null,"quote":"In the event of Accident or Injury which has resulted in a Claim or may result in a Claim covered under the Policy, the Policyholder/Insured Person/ Legal heir must notify to the Company either at the call center or in writing immediately. In case of Death, written notice of the Death must, unless reasonable cause is shown, be so given before internment/ cremation, and in any case, within one calendar month after the death, and in the event of loss of sight or amputation of limb(s), written notice thereof must be given within one calendar month after such loss of sight or amputation.","sources":[{"clause":"6.1.1","heading":"Notification of Claim","page":9,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-6-1-1"}],"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","Photo Identity Proof of the Insured person","Copy of FIR/ Panchnama /Police Inquest Report","Copy of Medico Legal Certificate","Death certificate","Post Mortem Report","Identity proof of Nominee or Original Succession Certificate/Original Legal Heir Certificate","Original treating Medical Practitioner’s certificate describing the disableme","Original Discharge summary from the Hospital","Disability certificate issued by treating Medical Practitioner","Any other medical, investigation reports, inpatient or consultation treatment papers"],"display":"Claim form, identity proof, police/FIR papers, medico legal certificate, death or disability documents, discharge summary and other medical/investigation papers as applicable","note":"The Company may call for any other documents as required to assess the claim.","quote":"Accidental Death | i. Duly completed claim form\nii. Photo Identity Proof of the Insured person\niii. Copy of FIR/ Panchnama /Police Inquest Report ... v. Death certificate;\nvi. Post Mortem Report (if conducted);\nvii. Identity proof of Nominee or Original Succession Certificate/Original Legal Heir Certificate ... Permanent Total D i s a b l e - ment and Permanent Partial D i s a b l e - ment | i. Duly completed claim form\nii. Photo Identity Proof of the Insured person ... v. Original treating Medical Practitioner’s certificate describing the disableme\nvi. Original Discharge summary from the Hospital\nvii. Disability certificate issued by treating Medical Practitioner\nviii. Any other medical, investigation reports, inpatient or consultation treatment papers, as applicable.","sources":[{"clause":"6.1.3","heading":"Claim Documents","page":10,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9762#c-6-1-3"}],"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 30 days from receipt of the last necessary document. If investigation is required, it shall complete investigation not later than 30 days and settle or reject the claim within 45 days from receipt of the last necessary document.","display":"30 days from receipt of last necessary document; 45 days if investigation is required","note":"Delay beyond the stipulated time carries interest at 2% above the Bank Rate.","quote":"i) The Company shall settle or reject a claim, as the case may be, within30 days from the date of receipt of last necessary document. ... iii) However, where the circumstances of a claim warrant an investigation in the opinion of the Company, it shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document. In such cases, the Company shall settle or reject the claim within 45 days from the date of receipt of last necessary document.","sources":[{"clause":"5.1.11(i)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-5-1-11-i"},{"clause":"5.1.11(iii)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-5-1-11-iii"}],"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":["Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports","Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent","Any injury or physical condition Pre-Existing at the time of Policy/Certificate Period Start Date","From intentional self-injury unless in self-defense or to save life, suicide or attempted suicide","Whilst under the influence of intoxicating liquor or drugs or other intoxicants","Whilst engaging in aviation or ballooning","Death or disablement resulting from pregnancy or childbirth","War (whether declared or not) and war like occurrence or invasion","Ionizing radiation or contamination by radioactivity","Nuclear, chemical and biological terrorism","Any loss arising out of the Insured Person's actual or attempted commission of or wilful participation in an illegal act"],"display":"Hazardous/adventure sports, breach of law, pre-existing injury or physical condition, self-injury or suicide, intoxication, aviation/ballooning, pregnancy or childbirth, war, nuclear/radiation/NBC terrorism and illegal acts","note":null,"quote":"Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports ... Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. ... Any injury or physical condition Pre-Existing at the time of Policy/Certificate Period Start Date. ... a) From intentional self-injury unless in self-defense or to save life, suicide or attempted suicide. ... b) Whilst under the influence of intoxicating liquor or drugs or other intoxicants except where the insured is not directly responsible for the injury/accident through under influence of intoxication; ... c) Whilst engaging in aviation or ballooning ... Death or disablement resulting from pregnancy or childbirth. ... Any claim for death or disablement, directly or indirectly due to War (whether declared or not) ... Ionizing radiation or contamination by radioactivity ... Nuclear, chemical and biological terrorism ... Any loss arising out of the Insured Person's actual or attempted commission of or wilful participation in an illegal act or any violation or attempted violation of the law.","sources":[{"clause":"4.1.1","heading":"Hazardous or Adventure sports (Code: Excl 09)","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-4-1-1"},{"clause":"4.1.2","heading":"Breach of law (Code: Excl 10)","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-4-1-2"},{"clause":"4.2.1","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-4-2-1"},{"clause":"4.2.2(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-4-2-2-a"},{"clause":"4.2.2(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-4-2-2-b"},{"clause":"4.2.2(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-4-2-2-c"},{"clause":"4.2.3","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-4-2-3"},{"clause":"4.2.4","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-4-2-4"},{"clause":"4.2.5","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-4-2-5"},{"clause":"4.2.6","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-4-2-6"}],"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":"First contact the company through its website, phone, email, fax, branch, courier or correspondence address. If not satisfied, contact the Grievance Redressal Officer at the Grievance Cell, and then the Insurance Ombudsman or IRDAI Integrated Grievance Management System.","display":"Company service channels, then Grievance Redressal Officer, then Insurance Ombudsman or IRDAI IGMS","note":null,"quote":"If the Policyholder/Insured Person have a grievance that Insured Person wish the Company to redress, Insured Person may contact the Company with the details of the Insured grievance through:\nWebsite: www.indusindinsurance.com Toll free: 022 4890 3009 (paid) ... Insured Person may also approach the grievance cell at any of the Our branches with the details of grievance. If the Insured Person is not satisfied with the redressal of grievance through one of the above methods, Insured may contact the grievance officer at:\nGrievance Redressal Officer The Grievance Cell, ... If Insured is not satisfied with the redressal of grievance through above methods, Insured Person may also approach the office of Insurance Ombudsman of the respective area/region for redressal of grievance as per Insurance Ombudsman Rules 2017. ... Grievance may also be lodged at lRDAl Integrated Grievance Management System https://igms.irdai.qov. in/","sources":[{"clause":"5.1.16","heading":"Redressal of Grievance","page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-5-1-16"}],"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":"quote-verified","value":"Rs 10,000 to Rs 25,00,000, in multiples of Rs 5,000.","display":"Rs 10,000 to Rs 25,00,000 (in multiples of Rs 5,000)","note":null,"quote":"Sum Insured | Rs 10,000 to Rs 25,00,000 (in multiples of Rs 5,000)","sources":[{"clause":"6.1.4(vi)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-6-1-4-vi"}],"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":"The product is a personal accident benefit policy, not an illness hospitalisation policy with 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":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"Coverage after 36 months is subject to the pre-existing disease or injury being declared at application and accepted by the insurer.","quote":"a) Expenses related to the treatment of a preexisting Disease/Injury (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with insurer.","sources":[{"clause":"4.2.7(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-4-2-7-a"}],"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":"The product covers accident benefits and does not provide illness/procedure cover to which a named specific illness waiting period would apply.","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":"The product covers accident benefits and does not have a 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":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"For enhanced sum insured, sixty 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":"5.1.12","heading":"Moratorium Period","page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-5-1-12"}],"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":"Right to port is not applicable.","display":"Right to port: Not Applicable","note":null,"quote":"d.Right to port: Not Applicable","sources":[{"clause":"Row 13","heading":"Insured’s Rights","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9808#c-row-13"}],"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":"quote-verified","value":true,"display":"Life long renewability","note":"The policy also says cover for an insured terminates after death or payment of 100% Sum Insured.","quote":"b.Life long renewability","sources":[{"clause":"Row 13","heading":"Insured’s Rights","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9808#c-row-13"}],"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":"iv) No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":"4.2.8","heading":"Renewal of the Policy","page":5,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9762#c-4-2-8"}],"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: Excl 09)","Breach of law (Code: Excl 10)","intentional self-injury unless in self-defense or to save life, suicide or attempted suicide","under the influence of intoxicating liquor or drugs or other intoxicants","engaging in aviation or ballooning","Death or disablement resulting from pregnancy or childbirth","War (whether declared or not) and war like occurrence or invasion","Ionizing radiation or contamination by radioactivity","Nuclear weapons material","Nuclear, chemical and biological terrorism","actual or attempted commission of or wilful participation in an illegal act"],"display":"Excl 09 hazardous/adventure sports, Excl 10 breach of law, self-injury or suicide, intoxication, aviation/ballooning, pregnancy or childbirth, war, nuclear/radiation/NBC terrorism and illegal acts","note":"Excl01 pre-existing disease is treated under waiting periods, not listed here as a permanent exclusion.","quote":"Hazardous or Adventure sports (Code: Excl 09) ... Breach of law (Code: Excl 10) ... a) From intentional self-injury unless in self-defense or to save life, suicide or attempted suicide. ... b) Whilst under the influence of intoxicating liquor or drugs or other intoxicants except where the insured is not directly responsible for the injury/accident through under influence of intoxication; ... c) Whilst engaging in aviation or ballooning ... Death or disablement resulting from pregnancy or childbirth. ... Any claim for death or disablement, directly or indirectly due to War (whether declared or not) ... a) Ionizing radiation or contamination by radioactivity ... b) Nuclear weapons material ... d) Nuclear, chemical and biological terrorism ... Any loss arising out of the Insured Person's actual or attempted commission of or wilful participation in an illegal act or any violation or attempted violation of the law.","sources":[{"clause":"4.1.1","heading":"Hazardous or Adventure sports (Code: Excl 09)","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-4-1-1"},{"clause":"4.1.2","heading":"Breach of law (Code: Excl 10)","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-4-1-2"},{"clause":"4.2.2(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-4-2-2-a"},{"clause":"4.2.2(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-4-2-2-b"},{"clause":"4.2.2(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-4-2-2-c"},{"clause":"4.2.3","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-4-2-3"},{"clause":"4.2.4","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-4-2-4"},{"clause":"4.2.5","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-4-2-5"},{"clause":"4.2.6","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-4-2-6"}],"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":"conflicting","value":"The certificate holder may cancel by giving 15days’ written notice and the company refunds premium on short term rates for the unexpired policy period: 75.0% up to 30 days, 50.0% from 31 to 90 days, 25.0% from 3 to 6 months and 0.00% above 6 months. No refund is made where any claim has been admitted, lodged or any benefit availed; long term policies are cancelled after retaining premium for expired risk on annual basis.","display":"15days’ written notice; refund on short term rates: 75.0% up to 30 days, 50.0% for 31 to 90 days, 25.0% for 3 to 6 months, 0.00% above 6 months","note":"Another wording says: \"The Policyholder may cancel this policy by giving 7 days ’written notice\" and gives a pro-rata refund formula instead of the short-term refund table.","quote":"b) The Certificate holder may cancel the Certificate of Insurance by giving 15days’ written notice, and in such an event, the Company shall refund premium on short term rates for the unexpired Policy Period as per the rates detailed below:\nRefund % Refund of Premium (basis Policy Period)\nTiming of Cancellation | 1 Yr\nUp to 30 days | 75.0%\n31 to 90 days | 50.0%\n3 to 6 months | 25.0%\nAbove 6 months | 0.00% ... 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. Long term policies may be cancelled at the request of the Certificate holder after retaining the premium for the expired risk on annual basis","sources":[{"clause":"5.1.5(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9762#c-5-1-5-b"},{"clause":"5.1.5","heading":"Cancellation (other than Free Look Period)","page":5,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-5-1-5"}],"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 sustained anywhere in the world is covered, subject to travel and other restrictions imposed by the Indian Government. Payment is made within India and in Indian Rupees only.","display":"Anywhere in the world; payment within India and in Indian Rupees only","note":null,"quote":"The Company covers the Accidental Bodily Injury sustained during the Policy Period anywhere in the world (subject to the travel and other restrictions that the Indian Government may impose), but the Company will make payment within India and in Indian Rupees only.","sources":[{"clause":"5.2.6","heading":"Territorial Limit","page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-5-2-6"}],"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":"conflicting","value":{"unit":"days","amount":30},"display":"thirty days","note":"Another wording says fifteen days from receipt of the policy, and the CIS says: \"a.Free Look period of 15 days from the date of receipt of the policy shall be applicable at the inception.\"","quote":"The Insured Person shall be allowed free look period of thirty days from date of receipt of the policy document to review the terms and conditions of the Policy, and to return the same if not acceptable. ... i) The insured will be allowed a period of fifteen days from date of receipt of the Policy to review the terms and conditions of the Policy, and to return the same if not acceptable.","sources":[{"clause":"5.1.15","heading":"Free Look Period","page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-5-1-15"},{"clause":"4.2.11","heading":"Free Look Period","page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9762#c-4-2-11"},{"clause":"Row 13","heading":"Insured’s Rights","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9808#c-row-13"}],"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":"fifteen days for monthly instalments; thirty days for quarterly/half-yearly/annual instalments","note":"The value and norm use the shorter monthly grace period; other payment modes have thirty days.","quote":"a) The grace period of fifteen days (where premium is paid on a monthly instalments) and thirty days (where premium is paid in quarterly/half-yearly/annual instalments) is available on the premium due date, to pay the premium.","sources":[{"clause":"5.1.13(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-5-1-13-a"}],"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":"Adults can enter from 18 years to 70 years. Dependent children are covered from 3years till 25 years.","display":"Adult: 18 years to 70 years; dependent child: 3years till 25 years","note":null,"quote":"Minimum entry age for adult is 18 years and maximum entry age is 70 years Dependent Child covered from 3years till 25 years.","sources":[{"clause":"Section 3","heading":"ELIGIBILITY","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9645#c-section-3"}],"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":["Monthly","Quarterly","Half Yearly","Annual"],"display":"Monthly, Quarterly, Half Yearly or Annual","note":null,"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 the policy Schedule ... thirty days (where premium is paid in quarterly/half-yearly/annual instalments)","sources":[{"clause":"5.1.8","heading":"Premium Payment in Instalments","page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-5-1-8"},{"clause":"5.1.13(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-5-1-13-a"}],"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":"The policy mentions that an insured may avail or opt out of an optional cover at renewal, but the documents provided do not name any optional covers.","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.","display":"Coverage is not available during the grace period","note":"The renewal clause says except where premium is paid in instalment, but the instalment-premium clause itself says coverage will not be available from the due date until receipt of premium.","quote":"f) Coverage is not available during the grace period, except in case where the premium is paid in instalment. ... ii) 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.","sources":[{"clause":"5.1.14","heading":"Renewal of Policy","page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-5-1-14"},{"clause":"5.1.8","heading":"Premium Payment in Instalments","page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-5-1-8"}],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"quote-verified","value":"The company pays 100% of the Sum Insured to the nominee, legal heir or assignee if the insured dies due to an injury sustained in an accident during the policy period, provided death occurs within 12 months from the accident date.","display":"100% of Sum Insured if accidental death occurs within 12 months from the date of the Accident","note":null,"quote":"The Company shall pay the benefit equal to 100% of Sum Insured to the Nominee /Legal Heir/Assignee as specified in the Policy Schedule/Certificate of Insurance, on Death of the Insured Person, due to an Injury sustained in an Accident during the Policy Period, provided that the Insured Person’s death occurs within 12 months from the date of the Accident.","sources":[{"clause":"3.1","heading":"Accidental Death","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-3-1"}],"law":[]},{"key":"permanent_total_disability","label":"Permanent total disability","section":"Cover","meaning":"What is paid for permanent total disability.","status":"quote-verified","value":"The company pays 100% of the Sum Insured if permanent total disablement occurs within 12 months of the accident and is solely and directly due to an accident. Covered losses include loss of sight of both eyes, loss or use of two hands or two feet, one hand and one foot, certain combinations of one eye and one limb, or permanent total inability to engage in any employment or occupation.","display":"100% of Sum Insured for listed permanent total disablements occurring within 12 months of the Accident","note":null,"quote":"The Company shall pay the benefit equal to 100% of Sum Insured, specified in the Policy Schedule/Certificate of Insurance, if an Insured Person suffers Permanent Total Disablement of the nature specified below, solely and directly due to an Accident during the Policy Period, provided that the Permanent Total Disablement occurs within 12 months from the date of the Accident. ... a) Sight of both eyes, or of the actual loss by physical separation of two entire hands or two entire feet, or of one entire hand and one entire foot, or of such loss of sight of one eye and such loss of one entire hand or one entire foot or ... b) Use of two hands or two feet, or of one hand and one foot, or of such loss of sight of one eye and such loss of use of one hand or one foot ... c) If such Injury shall as a direct consequence thereof, permanently, and totally, disables the Insured Person from\nindusindinsurance.com 022 4890 3009 (Paid) 74004 22200 (WhatsApp) IRDAI Registration No. 103 IndusInd General Insurance Company Limited (Formerly known as Reliance General Insurance). An ISO 9001:2015 Certified Company For complete details on the benefits, coverage, terms & conditions and exclusions, do read the sales brochure, prospectus and policy wordings carefully before concluding sale. Registered & Corporate Office: 6th Floor, Oberoi Commerz, International Business Park, Oberoi Garden City, Off. Western Express Highway, Goregaon (E), Mumbai-400063. Corporate Identity Number: U66603MH2000PLC128300. IndusInd Janata Personal Accident Policy. UIN No.: RELPAGP23018V022223. IGI/MCOM/CO/IHJPAP-(GRP)/PW/Ver.1.0/190226. Dow | nload Now\nengaging in any employment or occupation of any description whatsoever.","sources":[{"clause":"3.2","heading":"Permanent Total Disablement","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-3-2-2"},{"clause":"3.2(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-3-2-a"},{"clause":"3.2(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-3-2-b"},{"clause":"3.2(c)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-3-2-c"}],"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 company pays 50% of the Sum Insured if permanent partial disablement occurs within 12 months of the accident and is solely and directly due to an accident. Covered losses are sight of one eye, physical separation of one entire hand or one entire foot, or use of a hand or foot without physical separation.","display":"50% of Sum Insured for loss of one eye, one entire hand or foot, or use of a hand or foot","note":null,"quote":"The Company shall pay the benefit equal to 50% of Sum Insured, specified in the Policy Schedule/Certificate of Insurance, if the Insured Person suffers Permanent Partial Disablement of the nature specified below solely and directly due to an Accident during the Policy Period, provided that the Permanent Partial Disablement shall occur within 12 months of the date of the Accident. The total and irrecoverable loss of:\na) Sight of one eye, or of the actual loss by physical separation of one entire hand or of one entire foot or\nb) Use of a hand or a foot without physical separation\nNote: For the purpose of Benefit 3.2 and 3.3 above, ‘physical separation’ of a hand means separation at or above the wrist and of the foot means at or above the ankle.","sources":[{"clause":"3.3","heading":"Permanent Partial Disablement","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-3-3"}],"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":null,"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":null,"quote":null,"sources":[],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"quote-verified","value":"Premium depends on Risk Category among other factors, and the insured must immediately notify the company in writing of any change in business or occupation.","display":"Premium as per Risk Category; notify any change in business or occupation","note":null,"quote":"b) The premium applicable (for fresh/renewal policies) would be as per the prevailing rate & age, Sum Insured , Risk Category,group size,past claims experience etc. ... The Insured Person shall immediately notify the Company in writing of any change in his business or occupation or physical defect or infirmity with which he has become affected since the payment of last preceding premium","sources":[{"clause":"Section 7","heading":"PREMIUMRATING","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9645#c-section-7"},{"clause":"5.2.1","heading":"Material Change","page":8,"url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782#c-5-2-1"}],"law":[]}],"documents":[{"kind":"wording","label":"IndusInd Janata Personal Accident (Group) Policy Wording","pages":14,"fetched_at":"2026-10-17 19:48:49+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-janata-personal-accident-group-policy-wording","url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9762"},{"kind":"wording","label":"Janta Personal Accident Policy Wording","pages":13,"fetched_at":"2026-10-17 19:49:22+00","source_url":"https://www.indusindinsurance.com/downloads/janta-personal-accident-policy-wording","url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9782"},{"kind":"wording","label":"Janata Personal Accident (IRDAI copy)","pages":6,"fetched_at":"2026-10-20 02:20:09+00","source_url":"https://irdai.gov.in/documents/37343/931203/Janata+Personal+Accident_2013-09-30.pdf/c000c538-25b6-e0b3-f82e-ca71dbe4ef0e?version=1.1&t=1668317361641&download=true","url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/28024"},{"kind":"prospectus","label":"Janata Personal Accident Prospectus","pages":8,"fetched_at":"2026-10-17 19:44:51+00","source_url":"https://www.indusindinsurance.com/downloads/janata-personal-accident-prospectus","url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9625"},{"kind":"prospectus","label":"IndusInd Janta Personal Accident Group Prospectus","pages":8,"fetched_at":"2026-10-17 19:45:22+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-janta-personal-accident-group-prospectus","url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9645"},{"kind":"cis","label":"IndusInd Janatapersonalaccident Group CIS","pages":3,"fetched_at":"2026-10-17 19:50:05+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-janatapersonalaccident-group-cis","url":"https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223/document/9808"}],"versions":[{"uin":"IRDA/NL-HLT/RGI/P-P/V.I/322/13-14","version":null,"approved_on":null},{"uin":"RELPAGP23018V022223","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"IndusInd General Insurance official website","url":"https://www.indusindinsurance.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":"Car insurance claim","url":"https://www.indusindinsurance.com/car-insurance-claim","note":null},{"purpose":"claim","kind":"insurer","name":"Health insurance claims","url":"https://www.indusindinsurance.com/health-insurance-claims","note":null},{"purpose":"claim","kind":"insurer","name":"Travel insurance claim","url":"https://www.indusindinsurance.com/travel-insurance-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","url":"https://www.indusindinsurance.com/about-us/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":"Renew car insurance","url":"https://www.indusindinsurance.com/car-insurance/renew-car-insurance","note":null},{"purpose":"renew","kind":"insurer","name":"Renew health insurance","url":"https://www.indusindinsurance.com/health-insurance/health-insurance-renewal","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 (UIN RELPAGP23018V022223), IndiaInsurances, https://indiainsurances.com/policy/indusind-general-insurance/janata-personal-accident-relpagp23018v022223"}