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.

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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.

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:

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

  • Global Cover
  • SI Upto 3 Cr
  • Air Ambulance Cover

AdvantEdge Plan (Pros)

AdvantEdge Plan
  • Restoration Benefit
  • Cumulative Bonus
  • Health Rewards
  • Domestic Air Ambulance

AdvantEdge Plan (Cons)

AdvantEdge Plan
  • OPD Cover
  • Second medical opinion
  • Modern treatment
  • IVF treatment cover

AdvantEdge Plan (Other Benefits)

AdvantEdge Plan
  • New Born Cover
  • Vaccine Cover
  • Maternity Cover
  • PED Cover
  • Personal Accident Cover

AdvantEdge Plan (Eligibility Criteria)

AdvantEdge Plan
  • Entry Age: 18 - 65 years
  • SI: 5 L to 3 Cr
  • Initial waiting period: 30 days

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...

Unique Features

  • Accidental Death Benefit
  • Acts Of Terrorism Cover
  • Life Long Renewal

ICICI Personal Protect Policy (Pros)

ICICI Personal Protect Policy
  • Accidental Death
  • Permanent Total Disablement Benefit
  • Hospital Daily Allowance

ICICI Personal Protect Policy (Cons)

ICICI Personal Protect Policy
  • Illegal activities
  • Adventure sports
  • Obesity

ICICI Personal Protect Policy (Other Benefits)

ICICI Personal Protect Policy
  • Operational Coverage
  • Accidental Hospitalization
  • Hospital Daily Allowance

ICICI Personal Protect Policy (Eligibility Criteria)

ICICI Personal Protect Policy
  • Min entry age: 18 Years
  • Max entry age: 80 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 25 L

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

  • Care Management Program
  • 50 L SI Available
  • Co-Pay Modification

Golden Shield Plan (Pros)

Golden Shield Plan
  • Reset Benefit
  • Coverage for Ambulance
  • Cashless Hospitalization

Golden Shield Plan (Cons)

Golden Shield Plan
  • Maternity cover
  • New born cover
  • Daily hospital cash

Golden Shield Plan (Other Benefits)

Golden Shield Plan
  • Care Management Program
  • AYUSH Treatments
  • Claim Protector

Golden Shield Plan (Eligibility Criteria)

Golden Shield Plan
  • Entry age: 56 years to no maximum limit
  • Sum insured: 5 to 50 Lakhs
  • Initial waiting period: 30 days

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 ...

Unique Features

  • COVID-19 Cover
  • Ambulance Cover
  • Affordable Plan

Arogya Sanjeevani Policy (Pros)

Arogya Sanjeevani Policy
  • Cumulative bonus
  • Cataract treatment covered
  • Modern procedures covered
  • Intensive cardiac care charges

Arogya Sanjeevani Policy (Cons)

Arogya Sanjeevani Policy
  • No eyesight correction expenses
  • Fertility expenses not covered
  • Nursing expenses not covered
  • Nursing at home not covered
  • OPD expenses not covered

Arogya Sanjeevani Policy (Other Benefits)

Arogya Sanjeevani Policy
  • Floater benefit
  • Pre-existing diseases after 4 years
  • In-patient AYUSH treatment
  • Day care procedures

Arogya Sanjeevani Policy (Eligibility Criteria)

Arogya Sanjeevani Policy
  • Entry age- 18 years
  • Max entry age- 65 years
  • SI- 1 L to 5 L
  • Waiting period- 30 days

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

  • Reset Benefit
  • Top-up Plan
  • Lifetime Renewability

ICICI Lombard Health Booster (Pros)

ICICI Lombard Health Booster
  • In-patient treatment covered
  • High range of coverage
  • Flexible coverage

ICICI Lombard Health Booster (Cons)

ICICI Lombard Health Booster
  • Injury due to war
  • Cosmetic surgery
  • Aesthetics treatment

ICICI Lombard Health Booster (Other Benefits)

ICICI Lombard Health Booster
  • Reset benefit
  • Domestic road emergency
  • Pre and post-hospitalisation
  • Donor expenses

ICICI Lombard Health Booster (Eligibility Criteria)

ICICI Lombard Health Booster
  • Min entry age: 6 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 50 L

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...

Unique Features

  • Up to 1 Crore SI
  • International coverage
  • Modern treatment

ICICI Lombard MaxProtect Plan (Pros)

ICICI Lombard MaxProtect Plan
  • Worldwide coverage
  • Modern-day treatment procedures
  • Reset benefits

ICICI Lombard MaxProtect Plan (Cons)

ICICI Lombard MaxProtect Plan
  • Maternity cover
  • OPD not covered
  • Daily hospital cash

ICICI Lombard MaxProtect Plan (Other Benefits)

ICICI Lombard MaxProtect Plan
  • Multi-yearPolicy discounts
  • Automatic restoration
  • Domiciliary hospitalization

ICICI Lombard MaxProtect Plan (Eligibility Criteria)

ICICI Lombard MaxProtect Plan
  • Entry age: 21 to 65 years
  • Sum Insured: Upto 1 Cr
  • Initial Waiting Period: 30 Days

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 ...

Unique Features

  • 360° wellbeing programs
  • High SI options
  • Home healthcare

Health Shield 360 (Pros)

Health Shield 360
  • Worldwide cashless facility
  • Unlimited reset cover
  • Daycare procedures

Health Shield 360 (Cons)

Health Shield 360
  • Illegal activites
  • Adventure sports
  • Drug abuse

Health Shield 360 (Other Benefits)

Health Shield 360
  • Air ambulance
  • OPD Cover
  • Additional Sum Insured

Health Shield 360 (Eligibility Criteria)

Health Shield 360
  • Min entry age: 21 Years
  • Max entry age: 75 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 1 Cr

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...

Unique Features

  • Over 30 add-on options
  • Worldwide coverage
  • Special cover for NRIs

ICICI Lombard Elevate Plan (Pros)

ICICI Lombard Elevate Plan
  • Room rent
  • ICU charges
  • Pre and post hospitalisation
  • Daycare treatment

ICICI Lombard Elevate Plan (Cons)

ICICI Lombard Elevate Plan
  • Cataract
  • IVF treatment
  • Hazardous activities

ICICI Lombard Elevate Plan (Other Benefits)

ICICI Lombard Elevate Plan
  • OPD Charges
  • Covid-19
  • Automatic restoration

ICICI Lombard Elevate Plan (Eligibility Criteria)

ICICI Lombard Elevate Plan
  • Min entry age: 18 Years
  • Max entry age: No limit
  • Initial Waiting Period: 30 Days
  • Sum Insured: No Limit

Accident Health Insurance

A policy that covers accidental death and disablement. And you need it right away. Period! Unlike a critical illness, a terminal illness, or an unfort...

Unique Features

  • 100% death benefit
  • Educational grant
  • PTD/ TTD and PPD cover

ICICI Lombard Saral Suraksha Bima (Pros)

ICICI Lombard Saral Suraksha Bima
  • Accidental death
  • Permanent total disability
  • Permanent partial disability
  • Cumulative bonus

ICICI Lombard Saral Suraksha Bima (Cons)

ICICI Lombard Saral Suraksha Bima
  • Attempt to suicide/self-inflicted injury
  • STDs and HIV/AIDS
  • Mental or nervous disorder
  • Alcoholism or substance abuse

ICICI Lombard Saral Suraksha Bima (Other Benefits)

ICICI Lombard Saral Suraksha Bima
  • Children education grant
  • Accidental hospitalisation
  • Higher sum insured

ICICI Lombard Saral Suraksha Bima (Eligibility Criteria)

ICICI Lombard Saral Suraksha Bima
  • Min entry age: 3 Months
  • Max entry age: 70 Years
  • Sum Insured: Up to 1 Cr

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...

Unique Features

  • Wellness Program
  • Maternity & Newborn Cover
  • Riders Available

Complete Health Insurance (Pros)

Complete Health Insurance
  • Critical Illness cover
  • AYUSH treatment covered
  • Ambulance coverage
  • E-consultation

Complete Health Insurance (Cons)

Complete Health Insurance
  • Vaccination not covered
  • IVF Treatment
  • Modern treatment
  • Air ambulance

Complete Health Insurance (Other Benefits)

Complete Health Insurance
  • Cataract
  • Daily hospital cash
  • Organ donor

Complete Health Insurance (Eligibility Criteria)

Complete Health Insurance
  • Min entry age: 3 months
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 50 L

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...

Unique Features

  • Large Sum Insured
  • Daycare Treatment
  • Floater Benefit

ICICI Lombard Group Health Insurance (Pros)

ICICI Lombard Group Health Insurance
  • Tax benefit
  • Less waiting period
  • Hospital coverage
  • Wide range coverage

ICICI Lombard Group Health Insurance (Cons)

ICICI Lombard Group Health Insurance
  • Pre-existing diseases
  • Hazardous or adventure sports

ICICI Lombard Group Health Insurance (Other Benefits)

ICICI Lombard Group Health Insurance
  • Cashless benefit
  • Day care treatment
  • Floater benefit

ICICI Lombard Group Health Insurance (Eligibility Criteria)

ICICI Lombard Group Health Insurance
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 50 L

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.