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Accident Insurance
Shield Yourself from Accident Costs with Ease
Coverage Highlights
Key BenefitsMake your own plan
Plans available as per your requirement
Ensuring your family's financial security
Financial security for your family in case of accidental death or disability
Uninterrupted education even in Tough Times
Provides financial support for the education of dependent children in the event of the policyholder's accidental death or permanent total disability
Flexible Sum Insured
Minimum sum insured of INR 2.5 lakhs, with options to increase coverage in multiples of INR 50,000, up to a maximum of INR 1 crore
Inclusions
What’s covered?Accidental Death
Pays agreed amount in case of accidental bodily injury resulting in Death within 12 months from accident date
Permanent Total Disability (PTD)
Pays agreed amount in case of accidental bodily injury resulting in PTD within 12 months from accident date
Permanent Partial Disability (PPD)
Pays agreed amount in case of an accidental bodily injury resulting in PPD within 12 months from accident date
Note
Please read policy wording for detailed terms and conditions
Exclusions
What’s not covered?Initial Waiting Period
Treatment expenses during the first 30 days except for treatment of accidental injuries
Pre-existing Condition(s)
Any Pre-existing Condition(s) and complications arising out of or resulting therefrom
Investigation & Evaluation
Primarily for diagnostics and evaluation purposes or not related to current diagnosis and treatment
Dietary supplements and substances
Purchased without prescription, including but not limited to Vitamins, minerals and organic substances unless prescribed by a Medical Practitioner as part of hospitalization /day care
Cosmetic Surgery
Any treatment to change appearance unless for reconstruction following an Accident, Burns or medically necessary treatment
Non-Standard Treatment
Experimental, unproven or non-standard treatment
Note
Please read policy wording for detailed exclusions
Optional Covers
What else can you get?Temporary Total Disablement (TTD)
Pays 0.2% of the base sum insured per week in case of accidental bodily Injury that temporarily prevents the proposer from working
Hospitalisation Expenses due to Accident
Pays a maximum Limit - 10% of the base sum insured Covers Accidental hospitalization expenses ( with choice of Room types) & all types of Day Care procedures & surgeries and ICU at actuals
Education Grant
Provides 10% of the base sum insured per child as financial support for the education of dependent children in the event of the policyholder's accidental death or permanent total disability.
Note
Please read policy wording for detailed exclusions
Get instant access to your policy details with a single click.
Insurance benefits and rewards
Earn points for health activities and get benefits as premium discounts & policy upgrades. Improve your health to reduce claims & maximize benefits.
Complete health assessment and data integration
Start with a detailed health evaluation and sync your medical records & wearables for real-time data on activity, sleep & vital metrics.
Insurance benefits and rewards
Earn points for health activities and get benefits as premium discounts & policy upgrades. Improve your health to reduce claims & maximize benefits
Complete health assessment and data integration
Start with a detailed health evaluation and sync your medical records & wearables for real-time data on activity, sleep & vital metrics.
Step-by-Step Guide
How to Buy
0
Visit Bajaj Allianz website
1
Enter personal details
2
Compare health insurance plans
3
Select suitable coverage
4
Check discounts & offers
5
Add optional benefits
6
Proceed to secure payment
7
Receive instant policy confirmation
How to Renew
0
Login to the renewal portal
1
Enter your current policy details
2
Review and update coverage if required
3
Check for renewal offers
4
Add or remove riders
5
Confirm details and proceed
6
Complete renewal payment online
7
Receive instant confirmation for your policy renewal
How to Claim
0
Notify Bajaj Allianz about the claim
1
Submit all the required documents
2
Choose cashless or reimbursement mode for your claim
3
Avail treatment and share required bills
4
Receive claim settlement after approval
How to Port
0
Check eligibility for porting
1
Compare new policy benefits
2
Apply before your current policy expires
3
Provide details of your existing policy
4
Undergo risk assessment by Bajaj Allianz
5
Receive approval from Bajaj Allianz
6
Pay the premium for your new policy
7
Receive policy documents & coverage details
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Card 2
Saral Suraksha Bima from [Brand Name] gave me peace of mind during a tough time. After my accident, the claim process was smooth, and the hospital bills were covered without hassle.
Rajesh Mehta
Mumbai
27th Jul 2020
Card 2
Thanks to [Brand Name]'s Saral Suraksha Bima policy, I received financial support during my recovery. The weekly compensation for my temporary disability was a huge relief
Anita Sahay
Delhi
27th Jul 2020
Card 3
I chose Saral Suraksha Bima from [Brand Name] for my family’s security. The education cover ensured my child’s future was protected even after my accident.
Vikram Kanojia
Bengaluru
3rd Apr 2020
Card 4
Accidents are unpredictable, but [Brand Name]'s Saral Suraksha Bima policy gave me a safety net. The cashless hospitalisation feature made the process stress-free during my emergency.
Meena George
Chennai
27th Jul 2020
Card 5
I appreciate how [Brand Name] handled my claim under Saral Suraksha Bima. The transportation cover for mortal remains provided my family much-needed support during a difficult time.
Amit Punia
Pune
27th Jul 2020
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Saral Suraksha Bima is a standardised personal accident insurance policy provided by Bajaj Allianz General Insurance Company. This plan offers financial protection against unforeseen accidents, covering accidental death, permanent total disablement, and permanent partial disablement. It is designed to provide straightforward and comprehensive coverage, ensuring that policyholders and their families are protected from the financial repercussions of accidental injuries.
The policy offers a minimum sum insured of INR 25,000, with options to increase coverage in multiples of INR 5,000, up to a maximum of INR 1 crore. This flexibility allows individuals to choose coverage that aligns with their financial needs. The policy period is one year, with the option for annual renewal, ensuring continuous protection.
In addition to the base covers, Saral Suraksha Bima provides optional benefits such as temporary total disablement, hospitalisation expenses due to accidents, and an education grant for dependent children. These optional covers enhance the policy's comprehensiveness, offering additional financial support in the event of an accident.
By offering a transparent and uniform insurance product, Saral Suraksha Bima ensures that policyholders receive reliable coverage against accidental injuries, providing peace of mind to individuals and their families.
Standard personal accident policy offers compensation to the insured or his/her legal heir/nominee in case of permanent or partial disablement and death due to accident.
This medical insurance policy provides coverage for temporary disablement and hospitalization due to accident.
The Saral Suraksha Personal Accident Insurance helps the insured person to earn a cumulative bonus with every claim-free year. IRDAI mandates it for all the insurers to offer Saral Suraksha Bima plan to their clients.
1. Death: The insured person's family gets 100% of the compensation amount in case of accidental death due to an injury.
2. Permanent total disablement: The company shall pay the benefit equal to 100% of Sum Insured, specified in the policy schedule, if an insured Person suffers Permanent Total Disablement due to accident
3. Permanent partial disablement: The insured person who has suffered from any partial disability due to an accident is liable to file a claim to get a sum insured amount for treatment purposes.
Saral Suraksha Bima is available on Individual Basis.The Sum Insured shall apply seperately to each family member .
With Saral Suraksha Bima, you and your family members will be covered for 1 year.
The policy can be paid on an instalment basis-Annual, Half Yearly, Quarterly or Monthly. The premium charges might vary depending on the terms and conditions of every plan. Unlike other policy plans, the Saral Suraksha Bima policy premium rates are low and affordable.
This policy covers Self, legally wedded Spouse, Dependent Children, Parents, and Parents-in-law.
For every claim-free year, the increase in cumulative bonus with respect to the total sum insured is 5%. However, a precondition that applies is that the policy is renewed without any breaks to a maximum of 50% of the sum insured. If the claim is made in any of the particular years, then the CB is reduced at the same proportion it has been improved.
Sum Insured is the maximum liability of the insurance company towards the coverage opted by the insured person under this policy. Minimum sum insured is Rs.2.5 lakhs and maximum sum insured is Rs.1 Crore under this policy
Under Total temporary disablement, the insured is liable to receive 0.2% of the sum insured every week for up to a maximum of 100 weeks. This is done under the condition that the insured is injured to the extent that the accident has rendered the person unable to work.
Hospitalization expenses arising due to the accident shall be indemnified up to the limit of 10% of the base sum insured.
The insured’s family can claim a one-time 10% education grant for every child dependent on the insured in case of the insured’s death or permanent disability. The insurance can be claimed only for the following conditions:
- The dependent child or children are pursuing any educational course as a full-time student in any certified educational institute.
- The children’s age pursuing education shall not be more than 25 completed years to claim for insurance compensation.
Important Note:
The benefits of the policy are payable under each of the optional covers and are independent, over and above the base sum that is insured.