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Overview
Zuno Saral Suraksha Bima by Zuno Health Insurance Company is a personal accident insurance policy in India, designed to protect individuals aged 18 to 70 from financial hardship due to accidents. It offers coverage for injuries, disabilities, or death resulting from accidental events. Importantly, accidents aren't limited to vehicle collisions. The policy defines an accident as any sudden, unforeseen, and unexpected physical event caused by external, violent, and visible means. This could include workplace incidents (like a factory accident), household accidents (such as a ceiling collapse), or road accidents (like a collision between a bike and a cyclist). Essentially, Saral Suraksha Bima provides a safety net for a wide range of accidental circumstances.
Inclusions
- Accidental Death: If the policyholder dies due to any accident, this policy will pay 100% of the sum insured to the nominee.
- Permanent Total Disablement: If the insured person suffers any loss of body parts like eyes, hands, or feet due to an accident during the policy period, they will receive 100% of the sum insured.
- Permanent Partial Disablement: In case of partial disablement, the insured person will receive a lump sum amount from the sum insured.
- Hospitalisation Expenses Due to Accident: In case of hospitalisation, 10% of the sum insured will be provided as a daily cash benefit for hospitalization expenses.
- Education Grant: In case of death or permanent disability, children will receive 10% of the sum insured for their education.
- Temporary Total Disablement: If the insured person suffers an injury in an accident during the policy period that completely prevents them from performing any job or occupation they were capable of at the time of the accident (Temporary Total Disablement), the company will pay the benefit specified in the policy schedule.
Exclusions
- Hospitalisation due to war, riot, strike, and nuclear weapons.
- Intentional self-injury.
- Hazardous sports.
- AIDS.
- Miscarriage and abortion.
- Congenital disease.
- Infertility and in vitro fertilization.
Other Features
Zuno Saral Suraksha Bima offers a straightforward and accessible approach to health insurance, providing essential coverage for unforeseen medical expenses in case of an accident. With its simplified structure and focus on core benefits, this plan aims to alleviate the financial burden of hospitalization and treatment, allowing you to focus on your recovery. While it is important to review the policy details and exclusions to ensure they align with your individual needs, Zuno Saral Suraksha Bima presents a valuable option for those seeking a reliable and uncomplicated health insurance solution.
To know more about any health insurance plan, contact PolicyX.com.
