1. Any person irrespective of sex, occupation and profession in the age group of 10 to 70 years may be covered under JANATA PERSONAL ACCIDENT POLICY.
   
   
2. The policy is available for minimum sum insured of Rs.25.000/- per person per annum and the maximum sum insured is to be limited to Rs.1,00,000/- per person per annum.
   
   
3. The rate of premium is Rs.15 for a sum insured of Rs.25,000/-. The sum insured shall be increased in multiples of Rs.25,000 and premium is charged accordingly.
   
   
4. The policy is also available for pre-identified groups as listed by the scheme. In case of a group policy group discounts are available as per size of the group.
   
   
5. The policy is also available for a long term period up to 5 years.

This insurance will pay to the Insured (or in case of death, to the nominee) the amount shown against the table of benefits, if the Insured shall sustain any bodily injury resulting solely and directly from accident caused by outward violent and visible means and such bodily injury within the twelve calendar months of its occurrence be the sole and direct cause of:

1. Any existing disability.
2. Death injury or disablement due to intentional self injuries, suicide or attempted suicide.
3. Disablement or death under influence of liquor or drug.
4. Death or disablement during racing, shooting, big game hunting, mountaineering, ice hockey, winter sports.
5. Insanity.
6. Breach of law with criminal intention.
7. War Group of perils.
8. Nuclear group of perils.

• Proposal Form

1. Immediate notice to be given to the Policy issuing office.
   
   
2. Claim Form to be submitted with medical certificate and bills.
   
   
3. For death claim, Nominee should submit:
   
   
   1. Death Certificate
   2. Original Policy
   3. Postmortem report
   4. Police report if complaint is lodged.
   
   
4. Claims of person presumed to be dead due to drowning, will be settled after two years on the submission of the following documents:
   
   
   1. Police report and final investigation report.
   2. Report of findings by Customs / Port Authorities.
   3. Affidavit duly notarised.
   
   
5. Subject to above, claims of persons of fishing vessels which is missing or a total loss will be presumed dead and claim settled accordingly.