Network hospitals
10800+
Claim settlement ratio
98.53%
Sum insured
Up to 2 Crores
No. of Plans
1
Solvency Ratio
2.5
Pan India Presence
312+
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.
Health Insurance Plans
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To understand ICICI Lombard Saral Suraksha Bima Insurance in detail, take a look at the below table:
Child: 3 months - 25 years, Adult: 18 - 70 years
Accident Health Insurance
1 Cr
NA Days
Lifelong
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 | 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). |
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
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.
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:
Individual and Family Health Insurance
Worried about your medical expenses? Boost your healthcare experience with the ICICI Lombard Health Shield 360 insurance policy. Healthcare is one of ...
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Group Health Insurance
ICICI Lombard Group insurance is a type of insurance plan that covers many people in the same proximity, for example, employee-employer, bank customer...
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Individual and Family Health Insurance
Customize your ICICI Lombard Complete Health Plan with 4 available variants ICICI Lombard Complete Health Insurance is a comprehensive health insuranc...
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Accident Health Insurance
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Individual and Family Health Insurance
The power of infinite care! ICICI Lombard Elevate policy gives you and your family unrestricted wide coverage. How would it feel if a health insurance...
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Individual and Family Health Insurance
ICICI Lombard MaxProtect health insurance plan is a multiple-benefit provider plan that comes with affordable premiums. It has two variants ie, Classi...
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Top Up and Super Top Up
ICICI Lombard Health Booster is a comprehensive super top-up health insurance plan designed to enhance your existing coverage. The policy acts as a s...
Unique Features
Individual and Family Health Insurance
ICICI Lombard Arogya Sanjeevani is a versatile plan that pays for your medical bills in case of hospitalization. If you are looking for a health plan ...
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Senior Citizen Health Insurance
Golden Shield Plan by ICICI Lombard is designed especially for senior citizens and to cater to all their health care needs. With growing age, the huma...
Unique Features
Accident Health Insurance
ICICI Lombard Personal Protect Policy is a comprehensive health insurance policy that offers an array of benefits and extensions to safeguard the insu...
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Individual and Family Health Insurance
ICICI Lombard Health AdvantEdge plan is a comprehensive health insurance plan designed to cater to all your health care needs. A family health insuran...
Unique Features
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.
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.
The maximum sum insured limit for buying this policy goes up to INR 1 Crore.
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.
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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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.
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February 5, 2023
Asia/Kolkata
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