ICICI Lombard Saral Suraksha Bima Policy & Benefits | PolicyX
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ICICI Lombard Saral Suraksha Bima

ICICI Lombard Saral Suraksha Bima is a health insurance policy that su ...Read More

Up to 3 Crores
Sum insured
1
No. of plans
320+
Pan India presence
97.16%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,712 reviews
🏥 10,600+ hospitals
📊 2.69 solvency ratio
✅ 97.16% claim settlement

About ICICI Lombard Saral Suraksha Bima

A quick read on what this ICICI Lombard Health Insurance plan covers and why it might be a fit for you.

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.

You also get base coverage for permanent total and partial disablement and temporary total disablement. 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 a regular health insurance policy; it's a tool for future planning for you and your family. Read this page to know more about its eligibility criteria, benefits and coverage specifications, exclusions, and more.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Child: 3 months - 25 years, Adult: 18 - 70 years
Plan type
Accident Health Insurance
Sum insured options
₹1 L
Waiting period
NA
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.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Accidental death
  • Permanent total disability
  • Permanent partial disability
  • Cumulative bonus

Cons

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

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Not covered
  • ICU charges Not covered
  • Pre-hospitalization Not covered
  • Post-hospitalization Not covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Not covered
  • OPD charges Not covered
  • Covid-19 treatment Not covered
  • Cataract Not covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Not covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Not covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not Applicable
  • Sub-limits Applicable
  • Compassionate travel Not covered
  • Global coverage Covered

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 up to 100% of the sum insured.
Permanent Total Disability (PTD) The insurer's liability is to pay up to 100% of the SI in case of an accidental injury (to the policyholder) like loss of both 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 (up to 50% of the SI) and a thumb (up to 25% of the SI) will be paid by the insurer, given the loss has been caused due to an accident.
Cumulative bonus A 5% no-claim bonus will be added every year, up to a maximum of 50% 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 up to 10% of the total medical expenses for 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 one-time compensatory pay to replace the loss of income (as per the policy schedule).

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • 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
  • Refer to the detailed terms and conditions, inclusions & exclusions of the policy in documents provided by the company.

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min entry age: 3 Months
  • Max entry age: 70 Years
  • Sum Insured: Up to 1 Cr

Other features & benefits

Conclusion

Are you 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 consider buying ICICI Lombard Saral Suraksha Bima personal accident policy. It not only supports your children in continuing their education, but it also gives your dependent family members the chance to rebuild their lives.

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.

ICICI Lombard Saral Suraksha Bima: FAQs

The 5 most-asked questions about ICICI Lombard Saral Suraksha Bima, answered.

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.

Conclusion

Affordable accident insurance plan suitable for financial protection against accidental death, disab

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Simran saxena — Health and Term Insurance Reviewed by Anchita Bhattacharyya — Health, Term & Life Insurance
Last updated: 29 Jan 2025 · Originally published: 29 Jan 2025

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