Icici Lombard Saral Suraksha Bima
vs
Critical Care Plan
- 100+ top health insurance plans
- Premium starting @Rs. 19/day*
- No medical check-ups required
| PLAN DETAILS |
 Icici Lombard Saral Suraksha Bima |
 Critical Care Plan |
| Premium Including GST | ||
| Product Type | Accident Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
- | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
- | Not Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
- | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
- | Not Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
- | Not Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
- | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
10800 | 8500 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
- | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
- | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
- | Not Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
- | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
- | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
- | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
- | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
- | Not Covered |
| Plan Entry Age | Child: 3 months - 25 years, Adult: 18 - 70 years | 18 to 65 years |
| Plan Premium Entry Age and S/A | NA | 4088 |
| Plan Waiting Period | NA | 90 |
| Plan Coverage | - | Individual & Family floater cover |
| Plan Sample Premium | NA | 4088 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | 1/2/3 years |
| ICU Charges | - | Not Covered |
| Covid-19 Treatment | - | Covered |
| Cataract | - | Not Covered |
| Automatic Restoration | - | Not Covered |
| Ayush Treatment | - | Not Covered |
| Modern Treatment | - | Not Covered |
| E Consultation | - | Not Covered |
| Air Ambulance | - | Not Covered |
| Global Coverage | - | Not Covered |
| Claim Ratio | 98.53 | 99.96 |
| Solvency Ratio | 2.5 | 1.5 |
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.
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