Overview
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.
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). |
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.
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.
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