What is Group Janata Personal Accident Insurance?
The Group Janata personal accident policy covers individuals regardless of their occupation, gender and profession. These individuals can enjoy the coverage offered as long as they are part of a group that falls under the IRDAI Group Guidelines or fall under the groups such as employees and their dependents, pre-identified groups where the State or Central Government pays the premium, registered cooperative societies, registered service clubs, holders of Kisan credit cards, holders of deposit certificates issued by cooperative banks, regional rural banks, and other banks
Who should buy Group Janata Personal Accident Insurance?
Members of the above groups, as stated above, can purchase a Group Janata Personal Accident Insurance policy to provide coverage for members and their loved ones. These plans promote a sense of unity and provide financial security to dependents in their time of need.
Features of Group Janata Personal Accident Insurance
Accidental death and disability coverage
Get coverage if accidents turn fatal or lead to permanent disability.
No waiting period
The group accident insurance plan comes without any waiting period, allowing policyholders to enjoy benefits immediately.
Group discounts
Group accident insurance plans offer lowered premiums for large groups, making them relatively pocket-friendly.
Why should you buy Zuno Group Janata Personal Accident Insurance?
Zuno Group Personal Accident Insurance provides coverage in case of fatal accidents to a group of individuals and their dependents. With Zuno, insureds enjoy seamless paperwork and quick claims.
Zuno Group Janata Personal Accident Insurance - Eligibility and other important points
Sum insured options
Minimum sum insured: Rs 25,000/- per person and maximum sum insured: Rs 5 Lakhs in multiples of Rs 25,000/-
Age eligibility
Renewability
Cover type
The policy is offered on individual basis
Zuno Group Janata Personal Accident Insurance add-ons
Sorry, we provide all the coverage required in our base plan, so we don’t have any add-ons to offer!
What does a Zuno Group Janata Personal Accident Insurance policy cover?
Lump sum payment if the insured person passes away
Payout in case of permanent partial/total disability caused by an accident *
Payout in case of permanent partial/total disability caused by an accident *
What does a Zuno Group Janata Personal Accident Insurance policy not cover?
Any claim for death or disablement (whether permanent or temporary), or hospitalisation of the insured person caused directly or indirectly due to war (whether declared or not) and related incidents
- Any claim for death or disablement (whether permanent or temporary), or hospitalisation of the insured person, caused by :
- suicide or attempted suicide or self injury unless in self-defense or to save life
- Injury caused by an accident while intoxicated with alcohol , drugs etc. unless the substance has not been taken deliberately by the insured person
- Aviation or ballooning, or whilst getting into or out of a balloon or aircraft other than as a passenger (for hire or otherwise) by a standard type of aircraft in any Scheduled Airlines . [Standard type of aircraft means any aircraft duly licensed to carry passengers (for hire or otherwise) by appropriate authority irrespective of whether such an aircraft is privately owned or chartered or operated by a regular airline or whether such an aircraft has a single engine or multiengine;]
- Any claim for death, disablement (whether permanent or temporary), or hospitalisation of the insured person due to participation as a professional in hazardous or adventure sports, including but not limited to, para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep-sea diving and all similar sports.
*PLEASE REFER TO POLICY WORDING FOR COMPLETE INFORMATION
Why buy from us?
Zuno – with you every step of the way
Seamless processing
Timely assistance
Paperless process
Hassle-free claim settlements
We Won’t Play The Claim Game
Making sense of common insurance jargon
Accident
Permanent total disablement
Temporary total disablement
Permanent partial disability
Other important points of Zuno Group Janata Personal Accident
FAQ
What is the eligibility age for the group Janta personal accident insurance policy?
Individuals purchase coverage for the first time for individuals between the ages of 5 and 80. They can renew the policy for group members until they turn 90.
What is the policy tenure for group Janta personal accident insurance plans?
The minimum tenure is one year, but you can purchase a plan for five years to enjoy a 10% discount on the premium.