ICICI Lombard Saral Suraksha Bima
  • 100% death benefit
  • Educational grant
  • PTD/ TTD and PPD cover
ICICI Lombard Saral Suraksha Bima
Network hospitals

Network hospitals

10800+

Claim settlement ratio

Claim settlement ratio

98.53%

Sum insured

Sum insured

Up to 2 Crores

No. of Plans

No. of Plans

1

Solvency Ratio

Solvency Ratio

2.5

Pan India Presence

Pan India Presence

312+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

ICICI Lombard Saral Suraksha Bima

A policy that covers accidental death and disablement.

And you need it right away. Period!

Unlike a critical illness, a terminal illness, or an unfortunate event causing your financial and physical loss, an accident can get your world shattered within minutes. ICICI Lombard Saral Suraksha Bima is a health insurance policy that supports you when you are hit by an accident, leading to death or disabilities upto dysfunctionality.

You also get base coverage for permanent total and partial disablement and temporary total disablement. And for those worried about their child's/children's future, this policy will pay an educational grant for them to continue their studies even in your absence.

The Saral Suraksha Bima is not just your regular health insurance policy, it's a tool for future planning for you and your family. So, what next? Read this page till the end to know more about its eligibility criteria, benefits and coverage specifications, exclusions and more.

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ICICI Lombard Saral Suraksha Bima Specifications

To understand ICICI Lombard Saral Suraksha Bima Insurance in detail, take a look at the below table:

Entry Age

Child: 3 months - 25 years, Adult: 18 - 70 years

Policy Type

Accident Health Insurance

Sum Insured

1 Cr

Initial Waiting Period*

NA 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.

Read more specifications in the brochure.

Specifications of Saral Suraksha Bima Plan

Specifications What will the insured get?
Base covers
Accidental death If the policyholder undergoes an accidental injury which leads to death, the insurer will pay upto 100% of the sum insured.
Permanent Total Disability (PTD) The insurer's liability is to pay upto 100% of the SI in case of an accidental injury (to the policyholder) like loss of both the eyes, limbs, hands, and feet that disables them from working.
Permanent Partial Disability (PPD) In a scenario of partial disablement like loss of one hand (upto 50% of the SI) and a thumb (upto 25% of the SI) will be paid by the insurer, given the loss has been caused due to an accident.
Cumulative bonus 5% will be the no-claim bonus every year upto a maximum of 50% combined of the sum insured.
Add-on covers
Children's education grant In case of the insured's death or PTD, the child nominated under the policy will receive a one-time payout as an education grant to continue their studies.
Accidental hospitalization In case of an accident that leads the policyholder to get hospitalized, the insurer will pay upto 10% of the total medical expenses as room rent, surgeon's fees, ICU charges, diagnostic tests and medications.
Temporary Total disablement (TTD) An injury or accident leading to TTD conditions will be covered for a quarterly or on-time compensatory pay to replace the loss of income (as per the policy schedule).

Exclusions: Saral Suraksha Bima Personal Accident Policy

An attempt to suicide/self-inflicted injury

STDs, HIV/AIDS, etc

Mental or nervous disorder

Alcoholism or intoxicating substance abuse

Participation in a riot, crime, or civil commotion

Loss arising due to war, civil war, invasion, insurrection, revolution, act of foreign enemy, rebellion, government forces, etc

Damage by nuclear reaction, radiation, radioactive contamination, etc.

Congenital anomalies or any related to the same

Risky and adventure sports

Others, check the detailed terms and conditions, inclusions & exclusions of the policy in documents provided by the company

Conclusion

Are you also wondering, what will happen to your child and your loved ones when you are not around or are unable to meet their basic necessities? 

If yes, then you must give a thought to buying ICICI Lombard Saral Suraksha Bima personal accident policy. It not only backs your children continuing their education, but it also gives your dependent family members the chance to stand again for their life journey beyond you. 

Do not delay any further to secure those who matter the most in your life. Get counselled by our health insurance experts now and cherish medical and financial security with Saral Suraksha Bima. 

Explore other ICICI Lombard Health Insurance

To cater to the different medical needs of an individual & their family, ICICI Lombard Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to ICICI Lombard Health Insurance plans explore more:

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ICICI Lombard Saral Suraksha Bima: FAQs

1. Can I cover my family members under the ICICI Lombard Saral Suraksha Bima?

No, you can not cover your family members under a single policy as family floater benefits are unavailable. You can secure all your family members on an individual policy basis.

2. Can I increase the sum insured limit of my Saral Suraksha Bima?

Yes, you must reach out to your insurer whether online or by visiting a branch office to modify the sum insured limit of your ICICI Lombard personal accident policy.

3. What is the maximum sum insured available under the Saral Suraksha Bima plan?

The maximum sum insured limit for buying this policy goes up to INR 1 Crore.

4. Will my children benefit from my ICICI Lombard personal accident policy?

Yes, you can cover them under an individual policy through which they can avail of the educational grant benefit, given the insured has met with an accidental permanent total disability or an accidental death.

5. How can I claim my Saral Suraksha Bima policy?

You can claim your Saral suraksha bima personal accident policy by reaching out to the insurer or by filling out the claim form at the time of hospitalization. For more details, ring us at 1800-4200-269.

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Simran Nirala

Written By: Simran Nirala

Lives In: Delhi, NCR Expertise: Health & Term Insurance Simran has an experience of 4 years in content writing. She transitioned from hospitality and digital marketing to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner, she keeps her audience hooked and solves their doubts smoothly.