United India Insurance Co.Ltd
(Subsidiary of General Insurance Corporation of India)
Janata Individual Accident Insurance

We know that in modern times, due to advances in medical science, researches, balanced diets, medicines, comforts, etc. death rate has come down greatly. But due to increase in population, tremendous increase in number of vehicles and increase in traffic and other business activities, the proportion of accidents has also increased. The accident results into minor or serious injury or even in loss of life. Therefore, regular insurance schemes are not suitable and affordable to common people or poor people. Hence new special insurance scheme called Janata Individual Insurance Scheme has been started.

Feature of the scheme:

1. Age limit – 5 to 70 years.
2. Accidents covered – motor accidents, snake poisoning, electric shock, working with machine, attack by wild animals, drowning in water, lightening fall, etc.
3. Insurance amount: Five times of annual income.
4. Insurance premium: As shown in the table for two groups.
5. Classification of persons: According to nature of work, persons are classified in two groups.

Group I – Doctors, lawyers, architects, engineers, teachers, bank employees, government employees, accounts officers, farmers, farm labourers, handloom operators and others doing sedentary type of work.

Group II – Workers in construction work, factory workers, motor mechanics and garage workers machine operators, sports persons and other similar type of workers.

6. Insurance protection:

i. Accidental death - Full insurance amount

ii. 100% disabled due to accident – Full insurance amount

iii. Loss/damage of any two organs of body – Full insurance amount

(eye, hand or leg) due to accident

iv. Permanently disabled for essential body organs due to accident – 50% of insurance amount.

7. This policy can be taken for minimum one year and can be renewed every year. But to avoid inconvenience of paying premiums frequently and to get some concession in premium amount, one can pay all the amount in one installment at the beginning only.

JANATA INDIVIDUAL ACCIDENT INSURANCE SCHEME
TABLE OF PREMIUM

Service
(Insurance)