Liberty Janta Personal Accident Insurance Policy
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Liberty Janta Personal Accident Policy

Janta personal accident policy designed by Liberty Health Insurance is ...Read More

Up to 30 Lakh
Sum insured
1
No. of plans
110+
Pan India presence
97.64%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,691 reviews
🏥 6,000+ hospitals
📊 1.75 solvency ratio
✅ 97.64% claim settlement

Janta personal accident policy designed by Liberty Health Insurance is designed specifically to cater to customers settled in rural India. The policy covers individuals and dependent children from the age of 5 years to 18 years.

Why do we recommend this?
  • Worldwide Coverage
  • Cover your family members
  • Lifelong Renewability

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Minimum: 18 Years, Child: 5 to 18 Years, Maximum: 75 Years
Plan type
Accident Health Insurance
Waiting period
30 days
Renewability
Lifelong
Policy term
1 year

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Personal Accident Cover
  • Worldwide Cover
  • Lifelong Renewability

Cons

  • Pre-existing diseases not covered
  • Death or disablement due to war
  • Self-harm or suicide attempt

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Not covered
  • ICU charges Not covered
  • Pre-hospitalization Not covered
  • Post-hospitalization Not covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Not covered
  • OPD charges Not covered
  • Covid-19 treatment Not covered
  • Cataract Not covered

Bonuses & restoration

  • No-claim bonus Not covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Not covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Not covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not Applicable
  • Sub-limits Applicable
  • Compassionate travel Not covered
  • Global coverage Covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

Liberty Health Insurance | Best Health Insurance plan 2025 | Best Liberty Health Insurance plan

Liberty Health Insurance | Best Health Insurance plan 2025 | Best Liberty Health Insurance plan

Liberty Health Insurance

Liberty Health Insurance

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Minimum: 18 Years
  • Child: 5 to 18 Years
  • Maximum: 75 Years

Frequently Asked Questions

The 5 most-asked questions about Liberty Janta Personal Accident Policy, answered.

The eligibility criteria for Janta Personal Accident Policy is as follows Adults - 18 to 75 years Children – 5 to 18 years
The policy tenure for Janta personal accident policy by liberty health insurance is 1 year.
As the name suggests the policy covers personal accidents along with other coverage terms like Loss of limbs Loss of a Limb and an eye Complete loss of eyesight in both eyes Loss of sight of one eye, or total and irrecoverable loss of use of a hand or a foot Permanent Total Disability due to Accident
To cancel a policy the customer may provide a 15-day written notice, after that, the Company shall refund the premium for the unexpired policy period. However, the insurer also has the power to cancel the policy on grounds of misrepresentation, non-disclosure of material facts, and fraud by the Insured Person, by giving 15 days written notice.
At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without a break in policy. Coverage is not available during the grace period.

Conclusion

A basic and affordable personal accident insurance plan offering financial protection against accide

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 19 May 2026 · Originally published: 6 Nov 2024

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