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Oriental Janata Personal Accident Policy
250+ Plans 18 Insurance Companies
₹ 5 Lakh Coverage @ ₹ 10/day
7 Lakh+ Happy Customers

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

Oriental Janata Personal Accident Policy

Oriental Janata Personal Accident Policy is one of the two kinds of policy available with the insurer. The policy comes in handy in covering the risks such as disability, morbidity, and post-death rituals etc. In this regard, a policy like this will give a person the much-needed financial coverage.

Oriental Insurance Company Limited was set up on the 12th of September in 1947 in Mumbai as a completely owned concern of the government. For a long time, it was a subsidiary of the Life Insurance Corporation of India. It was only in 2003 that the Central government overtook all the shares of the company. It functions regionally as well as overseas and has its centers in Nepal, Kuwait, and Dubai.

Features of the Oriental Janata Personal Accident Policy

The following are the features of the Oriental Janata Personal Accident Policy:

Minimum Age of entry

10 years

Maximum Age of entry

80 years

Basis of Plan

Individual

Tenure of the Policy

1 year with lifetime renewability

Renewability

Lifetime subject to age limits. There is a period that is offered after the policy expires that acts as the buffer period. There is no such time allotted for the renewal for this policy.

 

Minimum Sum Insured

Rs 25000

Maximum Sum Insured

Rs 5 Lakh

Coverage

• In case of an accident, the entirety of the sum insured will be paid to the insurer

• In case of total disability of eyesight and both feet and hands, the entire sum insured will be paid

• In case of total damage to one eye or damage to either of the limbs, half of the sum insured will be paid to the insurer

• In case of permanent disability, the entire insured sum will be paid to the insured

 

Savings

To avail of a cumulative bonus, the policy needs to be renewed within a period of 90 days.

• Taking the number of people insured under this policy into consideration, the policy has an added benefit of savings

• 

 

Free Look Period

15 days of free-look period

Other Inclusions

An individual who has no source of income can avail of this policy. Income Proof is mandatory to be submitted in case the sum insured is more than Rs 2 lakh

The last day of the policy is also the last day that the insurer will be covered.

 

Scope of Benefits under Oriental Janata Personal Accident Plan

There are a lot of benefits which might appeal to a lot of people. They are:

Benefits of Oriental Janata Personal Accident Plan

Payable Amount

Upon death

100% of Sum Insured

When there has been a mishap that has caused permanent disability of both limbs and has resulted in complete impairment of eyesight

100% of Sum Insured

If a person loses one limb or loses partial eyesight due to a mishap

50% of the Sum Insured

 

If there is a total bodily disability

 

100% of Sum Insured

Exclusions of the Oriental Janata Personal Accident Policy

In spite of the wide-ranging areas that are covered under this plan, there are a whole lot of exclusions. They primarily are:

  • If there is any injury or disability on the date on which the policy becomes functional, there can be no claim for payment.
  • There can be no claim if:
  • The injury is intentional on the part of the insured or due to self-harm
  • There has been a suicide or attempted suicide
  • There has been an abuse of substances like alcohol or hard drugs
  • Clinical insanity
  • There has been a crime or an action committed with malicious intent
  • There has been a war, insurrection, or a civil war that has broken out or a nuclear mishap
  • If there has been a death or disability caused due to dangerous activities like hunting, mountaineering, or racing
  • If there has been a death or impairment caused due to winter activities like ice hockey or ice skating

Eligibility to Buy Oriental Janata Personal Accident Policy

The minimum age limit for availing the policy is 10 years, while the maximum age of buying the policy is 80 years. The term of the policy stands functional for one year. The minimum sum that can be insured is Rs 25,000 whereas, the maximum sum can be Rs 5,00,000. If anyone wants to insure a sum of more than Rs 2,00,000, an income certificate is required as a measure of authentication.

 Buying Process of Oriental Janata Personal Accident Policy

The buyer needs to be in possession of certain documents and fulfill certain conditions. These are the terms to be met:

Go to the Paisawiki website and register yourself as a user of the portal and get free quotes and premium rates. Then you should make sure that:

  • The proposal form needs to be filled.
  • Make sure that you file the proposal form to the fullest of your knowledge.
  • They are not liable to pay you anything until there is an official confirmation of them accepting your proposal.
  • The other important documents that are needed are address proof, Photo identification, and photographs.
  • Once the comparison and calculation of the premium are done, the next step is to pay the premiums online.
  • The paisawiki website has a secured payment gateway through which the transaction is entirely safe. Once the payment is successful, a soft copy of the document is sent to the registered email id.

Documents Required to Buy Oriental Janata Personal Accident Policy

To buy the policy, the customer needs to fill the proposal form accurately with an enumeration of medical conditions, if any. Then he/she needs to submit the policy with a copy of address proof. In certain cases, the consumer needs to have a thorough medical status if the person’s age is on the wrong side.

Claim Procedure of Oriental Janata Personal Accident Policy

In order to claim Oriental health insurance, there should be a prior notice given to the company either by email or Fax with enclosed credentials like policy number, identification details, and the disease that the insured suffers from.

Remember to submit the claim form after filling it carefully, along with details of medical history and medical bills.

In case of the demise of the insured, the nominee needs to submit the following documents:

  • A copy of the death certificate
  • Original policy accompanied by a valid autopsy report
  • Nominee, as a legal heir, should be explained
  • A copy of the FIR followed by police testimonials
  • A copy of the claim intimation given to the company with a Xerox of the policy and premium receipt
  • Police Panchnama or Final Investigation Report
  • Medical report and details of the cumulative medical expenses
  • Wage Certificate from the organization that the insured has been working for
  • Proof of Age

In the case of Temporary Total Disability, the nominee needs to submit the following documents:

  • A copy of the claim intimation given to the company with a Xerox of the policy and premium receipt
  • Claim Form which should be properly and clearly filled
  • Police Panchnama or First Information Report or the Final Investigation Report
  • Medical report as issued by the medical practitioner
  • Leave a certificate from the employer of the organization that the insured has been working for

In the case of Permanent Disability or Injury Claim, the nominee needs to submit the following documents:

  • Police Panchnama or First Information Report or Final Investigation Report
  • Medical Certificate, details of medical expenses and a certificate of disability
  • Leave a certificate from the employer of the organization that the insured has been working for
  • Claim Form properly filled, signed and stamped (if necessary)
  • Wage Certificate from the organization that the insured has been working for
  • In the case of drowning, the claims will take as many as two years to be finally settled. The documents to be submitted in that case are:
  • A report of the police investigation
  • An inference report of port authorities
  • A notarized affidavit

Renewal of the Oriental Janata Personal Accident Policy

With uncertain things like accidents plaguing people daily, it is always wise to renew your policy once the term expires. Having a policy renewed ensures continued coverage and greater security. Besides, having a continuity enables you to enjoy perks like free check-ups, and whatever benefits accidental policies bring to your table. The following are the steps that are to be followed to renew the policy. In this regard Paisawiki.com provides an easy and safe platform to renew the policy.

  • Visit the website of Paisawiki.com.
  • Click on the renewal tab.
  • Enter a preferred credential; in most cases, they are the policy or registered mobile number.
  • The premium that you need to pay will flash on the screen. Then select your mode of payment.
  • Enter your credit/debit card details and pay.
  • Once the payment is confirmed, a digital copy of the policy will be mailed to you or speed posted according to your convenience.

FAQs

  • Q. What are the modes of payment available for the policy?

    Ans: The company provides two kinds of payments. One can opt for a cheque payment at the branch or go for online payment over the internet. For online payment, they can avail credit card, debit card, and net banking facilities.

  • Q. How to check policy status online?

    Ans: Go to the official website of the bank and log in with your credentials. The status of your policy will appear in a jiffy. All you need is the policy number or the application number, which must have been issued to you at the time of the policy's purchase and enter personal details like name and contact details. After filling in the appropriate information, the policy details can be checked online thereafter.

  • Q. What is the process of renewal?

    Ans: You can either contact a broker and get it done through him by filling in the documents, or you can do that online as well by logging into the website and filling in your account details. Once the policy is renewed, save a copy of the receipt and wait for a digital copy to be sent to you over email.

  • Q. What is the process of settling claims?

    Ans: When you want to file a claim, fill the form in all earnestness and visit the nearest branch for technical assistance. Process of settling a claim can also be done online by following very simple steps like:

    Step 1 – In case of any contingency, the insurance company needs to be informed within 24 hours to get the claim processed without delays.

    Step 2 – Filling an online claim form.

    Step 3 – Furnishing all the relevant documents to the insurance company as required.

    Step 4 – Claim Intimation or Confirmation Number will be issued which can be sued to track the claim later.

  • Q. What are the other kinds of personal accident Insurance Plans launched by Oriental General Insurance Company Limited?

    Answer: There are a number of Personal Accident Plans introduced by Oriental General Insurance Company Ltd like:

    • Gramin Accident Insurance Plan
    • Janata Personal Accident Plan
    • Nagrik Suraksha Plan
    • Personal Accident Plus – Individual Plan
    • Personal Accident Group Plan
  • Q. What are the special savings offered within Oriental Janata Personal Accident Policy?

    Ans: Two kinds of savings can be availed within the Oriental Janata Personal Accident Policy, but all these put together should not exceed 30% under any circumstances:

    Group Offer:

    Size of the Group

    Savings

    101 – 1000

    5%

    1001 – 10000

    7.5%

    10001 – 50000

    10%

    50001 – 100000

    12.50%

    100001 – 200000

    15%

    Above 2 Lakhs

    Up to 70%


    Long Term Offer:

    Term of the Policy

    Savings

    1

    Not Applicable

    2

    5%

    3

    10%

    4

    15%

    5

    20%

    6

    25%

    7

    30%

    8

    35%

Written By: Paisawiki - Updated: 12 February 2021

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