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Liberty Health Insurance | Best Health Insurance plan 2025 | Best Liberty Health Insurance plan
Liberty General Insurance
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
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,691 reviews
🏥 6,000+ hospitals
📊 1.75 solvency ratio
✅ 97.64% claim settlement
About Liberty Janta Personal Accident Policy
A quick read on what this Liberty General Insurance plan covers and why it might be a fit for you.
Janta personal accident policy designed by Liberty Health Insurance is designed specifically to cater to customers settled in rural India. The Janata personal accident policy offers coverage against accidental death along with features such as
- 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
The policy covers individuals and dependent children from the age of 5 years to 18 years. In this article, we have mentioned all the essential details and features of the Liberty Janta Personal Accident Policy to help you better understand the policy.
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
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
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
Janta Personal Accident Policy At A Glance
| Plan Type | Individual/Family Floater |
| Grace Period | 30 Days |
| Renewability | Lifelong |
| Network Hospitals | 5,000+ |
| Free-Look Period | 15 Days |
Benefits of Janta Personal Accident Policy
With Liberty’s Janta personal accident policy the insurer provides a multitude of benefits and advantages to the customers listed down below
- Tax Benefits
All the premiums paid towards Liberty Janta personal accident policy plan will be eligible for tax benefits under Section 80D the Income Tax Act of India. - Worldwide Coverage
The plan safeguards you and your family within the country and internationally. Liberty Janta Personal Accident Policy offers coverage to its customers across the globe regardless of their geographic locations. - Cover your family members
Under Janta Personal Accident Policy, the plan covers dependent children from 5 to 18 years. However, for adults, there are no maximum entry age criteria. - Lifelong Renewability
Liberty Janta Personal Accident Plan offers lifelong renewability to the policyholders. - Online Purchase
Customers can purchase Janta Personal Accident Policy online by visiting the official website of Liberty Janta Personal Accident Policy.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Inclusions
- Accidental Death is covered by Janta personal accident policy wherein if the insured individual sustains any bodily Injury resulting solely and directly from an accident caused by external, violent, and visible means, then the Company shall pay to the Insured Person, his or her Nominee the capital sum insured.
- In case an individual suffers a permanent total disability wherein there is a loss of Limbs (both hands or both feet or one hand and one foot), Loss of a Limb and an eye, Complete and irrecoverable loss of sight in both eye or Permanent Total Disability due to Accident the company covers 100% of the capital sum insured
- According to the policy conditions and coverage terms, the insured individual is covered against Permanent Partial Disability.
Exclusions
- Death or disability resulting directly or indirectly caused by contributed to or aggravated or prolonged by childbirth or from pregnancy excluding ectopic pregnancy.
- Any pre-existing condition/ disability / accidental injury
- Expenses related to any treatment necessitated due to participation in hazardous or adventure sports
- Any claim for death or disablement due to war
- Any claim for death or disablement due to self-harm or suicide attempt
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Minimum: 18 Years
- Child: 5 to 18 Years
- Maximum: 75 Years
Other features & benefits
Janta Personal Accident Policy Cancellation
The policyholder may cancel this policy by giving 15 days written notice and in such an event, 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.
Janta Personal Accident Policy: FAQs
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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