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Bonus |
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/ Renew Online Policy |
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Policy |
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Mediclaim Policy |
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Policy |
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Family Floater Policy |
| Janata Personal Accident Policy |
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We all in our
day to day life are exposed to the risks of
accidents. Despite all possible precautions
accidents do occur. This may result into
disablement or loss of limbs or sometimes even
death. To cater to this need insurers have devised
an insurance cover, known as Personal Accident
Insurance. This policy provides compensation in
the event of insured sustaining injuries, solely
and directly from an accident caused by violent,
visible and external means, resulting into death
or disablement be it temporary or permanent. There
are some additional benefits available without
payment of additional premium like Cumulative
Bonus, Children Education Fund, Reimbursement of
expenses for the carriage of the dead body. There
is a discount for family package cover plan.
Now you can buy and renew policies Online. Buy a
new Personal Accident Insurance plan, Renew an
existing Oriental's Personal Accident Insurance
policy or renew PA policies bought from any other
general insurance company by registering yourself
on our Portal and paying online through your debit
card / credit card or Net-banking. To check out
various online facilities available, you may login
on the Portal.
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This policy provides compensation in the event of
insured sustaining injuries, solely and directly
from an accident.
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We at Oriental
Insurance believe to gain trust from our customer
we should be as transparent as possible. To ensure
that you do not face any problem when you make a
claim, we would like you to know some of the major
exclusions under the policy .
a) Intentional self injury,
b) Suicide or attempted suicide,
c) Death or disablement resulting from child birth
and pregnancy;
d) Accident while the insured is under the
influence of intoxicating liquor or drugs;
e) War and allied perils.
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| Compensation
payable under clauses (a), (b), (c) and (d) of the
policy viz,death, loss of limb(s) or sight and
Permanent Total Disablement arising out of
accidental injuries shall be increased by 5%
thereof in respect of each completed claim free
year, during which the policy shall have been in
force, prior to the occurrence of an accident for
which Capital sum becomes payable, but amount of
such increase shall not exceed 50% of the Capital
sum insured stated in the Schedule herein. This
Clause shall not in any way alter the annual
character of the Insurance nor the right of the
Company to decline to renew or to cancel this
Policy as herein after provided. The earned
Cumulative Bonus will not be lost if the Policy is
renewed within 90 days after its expiry. |
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This is an
information Brochure only. For detailed
terms and conditions, please click
here or contact nearest office or
read complete Personal Accident Policy.
Grievance Redressal is through Company's
in-house Mechanism or through IRDA or
Ombudsman.
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