Liberty Janata Personal Accident Health Insurance Wordings

Yes. You can enhance your capital sum insured at the time of renewal of the policy. This is subject to specific approval and acceptance by the insurance company. 

Following are the documents required in case of personal accident death claims: 

• Duly filled and signed claim form 
• FIR/MLC from police authorities 
• Driving license of the victim in case of death or injury because of road traffic accident and the victim was driving the vehicle involved
• Death certificate issued by competent authorities 
• Death summary from the concerned authorities at the hospital, if the hospital confirms the death 
• Post mortem report, if it has been conducted 
• Documentary proof of death caused due to accident 
• Inquest/panchnama report 
• Photographs of the deceased/victim 
• Letter from HR that mentions the attendance closure to the incident if the employee for group policies  
• Latest photograph along with the photo ID proof of the beneficiary or legal heirs in whose name the payment is required to be made 
• Coroner's report   
• Succession certificate/legal heir certificate 
• Indemnity bond 
• NEFT mandate form filled by beneficiary or the legal heirs in whose name the payment is to be made
• Address proof of the beneficiary or legal heirs in the name of whom the payment is done  

Following are the documents required in case of personal accident injury claims: 

• Duly filled and signed claim form 
• FIR/MLC from police authorities 
• Driving License of the victim in case of injury because of a Road Traffic accident and the victim was driving the vehicle involved. 
• Medical certificate from the attending medical practitioner for the injury that indicates the extent of disability  
• Medical fitness certificate from the treating consultant that specifies duration of rest advised by a medical practitioner 
• Hospital/nursing home medical records 
• Radiological/X-ray report confirming diagnosis or fracture 
• For group policies, leave certificate from HR (for salaried people) if employee
• Photographs of the Insured showing affected area 
• Photo ID proof of the deceased or victim in the name of whom the payment has to be made
• NEFT mandate form filled by deceased or victim in the name of whom the payment has to be made 
• Salary certificate or income proof for employee in case of group policies 
• Address proof of the deceased or the victim in the name of whom the payment is to be done 
• Latest photograph of the deceased or victim in the name of whom the payment is to be made 

Janata Personal Accident policy comes with a free look period of 15 days, during which you can understand the policy terms and conditions well.