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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 DETAILS |
Icici Lombard Saral Suraksha Bima |
Health Gain Policy |
| 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 | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Not Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Not Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Not Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Not Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
10600 | 9100 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Not Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Applicable | Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Applicable | Covered |
| Plan Entry Age | Child: 3 months - 25 years, Adult: 18 - 70 years | 91 days to 65 Years |
| Plan Premium Entry Age and S/A | 224 | NA |
| Plan Waiting Period | NA | 30 |
| Plan Coverage | Accidental death cover, Permanent total disability cover, Permanent partial disability cover, Accident hospitalization expenses cover | Individual / Family Floater |
| Plan Sample Premium | 224 | NA |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | 1, 2, 3 years |
| ICU Charges | Not Covered | Covered |
| Covid-19 Treatment | Not Covered | Covered |
| Cataract | Not Covered | Covered |
| Automatic Restoration | Not Covered | Covered |
| Ayush Treatment | Not Covered | Not Covered |
| Modern Treatment | Not Covered | Covered |
| E Consultation | Not Covered | Not Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Covered | Not Covered |
| Claim Ratio | 97.16 | 87.50 |
| Solvency Ratio | 2.69 | 2.35 |
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