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Saral Suraksha Bima, Bajaj Allianz General Insurance Company Ltd.

 

Saral Suraksha Bima for Individual
Saral Suraksha Bima Policy

Standard personal accident policy for you

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What’s in it for you?

Covers Accidental death

Coverage in case of Temporary disablement

Hospital expenses due to accident

Why Saral Suraksha Bima?

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 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.

KEY FEATURES

  • Base Coverage available under the policy

    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.

  • Policy Type

    Saral Suraksha Bima is available on Individual Basis.The Sum Insured shall apply seperately to each family member .

  • Annual Policy

    With Saral Suraksha Bima, you and your family members will be covered for 1 year. 

  • Premium Payment in instalment

    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. 

  • Full Family Cover

    This policy covers Self, legally wedded Spouse, Dependent Children, Parents, and Parents-in-law. 

  • Cumulative Bonus

    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

    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

Some Additional Benefits of Saral Suraksha Bima

Temporary total disablement (Optional Cover)

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. Read more

Temporary total disablement (Optional Cover)

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.

Hospitalisation Expenses due to Accident (Optional Cover)

Hospitalization expenses arising due to the accident shall be indemnified up to the limit of 10% of the base sum insured.

Education grant (Optional Cover)

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. Read more

Education grant (Optional Cover)

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.

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Knowing what your policy covers helps you choose the right insurance plan

Important points to note before buying Saral Suraksha Bima Policy

  • Inclusions
  • Exclusions

Death ( Base Cover)

The Company is liable to pay the benefit equal to 100% of the Sum Insured. The sum is to be paid after the death of the insured person only when the death occurs within 12 months of the accident. 

Permanent total disablement ( Base Cover)

The Company shall pay the benefit equal to 100% of Sum Insured, specified in the policy

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Permanent total disablement  ( Base Cover)

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. Permanent disability tantamounts to a condition whereby the insured loses sight or any of the limbs within 12 months of the accident. 

Permanent Partial Disablement ( Base Cover)

The company shall pay the percentage of Sum Insured, specified in the policy schedule if the Insured Person suffers Permanent Partial Disablement due to accident.

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No claim is admissible in case of death by suicide or permanent disability by attempted suicide. 

Accidents happening due to the injured being under the influence of alcohol or drugs is also excluded. 

An incident that was planned as a criminal intent when it leads to an injury of the insured is not admissible for a claim under the Saral Suraksha Bima. 

Any kind of accident or death arising due to the insured mounting/dismounting and travelling in aviation or ballooning...

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Any kind of accident or death arising due to the insured mounting/dismounting and travelling in aviation or ballooning from any of the scheduled airlines across the globe does not pass as a liable account for a claim. The same stands even if the insured has paid for the travel in the balloon or the aeroplane. 

Any claim for death, disablement (whether it is permanent nature or of a temporary nature), or hospitalisation of an insured person ...

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Any claim for death, disablement (whether it is permanent nature or of a temporary nature), or hospitalisation of an insured person due to participation as a professional in hazardous or adventure sports is not permissible for a claim. These activities include but are not limited to para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, skydiving, deep-sea diving.  

Accidents, injuries, and disablement instances arising because of exposure to or contamination from radioactive material arising ...

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Customer Stories

Average Rating:

4.75

(Based on 3,912 reviews & ratings)

Faiz Siddiqui

VIKRAM ANIL KUMAR

I am truly delighted at the cooperation you have extended to me in facilitating the renewal of my Health Care Supreme Policy.  Thank you very much. 

Rekha Sharma

PRITHBI SINGH MIYAN

Good Claim settlement service even during Lockdown. So that I have sell Bajaj Allianz Health Policy to maximum customer's

Susheel Soni

AMAGOND VITTAPPA ARAKERI

Excellence service by Bajaj Allianz, hassle free service, friendly site to customers, easy and simple to understand and operate. Thanks to the team for serving customers with all the happiness and pleasure...

Saral Suraksha Bima Policy FAQs

What is Saral Suraksha Bima Policy?

Saral Suraksha Bima Policy is a standard personal accident policy mandated by the Regulator. It provides financial security to insured persons and their family in case of accident, partial disablement or permanent disablement. 

Why should I get insured by a personal accident cover?

A personal accident policy provides you with financial support if you are disabled or injured due to an accident. All unexpected medical expenses can be a significant setback financially. Comprehensive personal accident insurance allows you and your family to be financially secure after an unforeseen event. It provides a sum insured of Rs2.5 Lakhs to Rs. 1 Crore

Does the Saral Suraksha Bima policy cover natural death or death due to some illness /disease?

No, Saral Suraksha Bima policy only covers the death occurring due to accident or accidental injuries. 

What are the coverages under the policy?

The coverages under the policy are as follows:

Base Covers:

  • Death: If the insured person faces an unfortunate death during the policy term is active, then his/her Legal heir/nominee will get the sum insured as opted under the policy
  • Permanent total disablement: The standard personal accident insurance covers lifetime disability caused due to accident
  • Permanent partial disablement: Additionally, the expense for the treatment of partial disability caused by accident is also covered under this insurance policy scheme.

Optional Covers:

  • Temporary total disablement:If the Insured Person sustains an Injury in an Accident during the Policy Period and which completely incapacitates the Insured Person from engaging in any employment or occupation. The compensation shall be payable till the time the insured person is able to return to work at the rate of 0.2% of the base sum insured per week maximum 100 weeks
  • Hospitalisation Expenses due to Accidents: It covers the hospital expenses of the insurer after an accident only if the claim application is approved.
  • Education grant: This policy pays 10% of the total Sum insured one-time for every children education grant of the insurer.

What is the entry age under this policy?

The entry age for the Adults to get insured under this plan is 18 to 70 years. However, children from 3 months can also be covered under this plan, but the maximum age for dependent children is 25 years only. 

Written By: Bajaj Allianz - Updated: 31st March 2021

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I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.

Disclaimer

I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.

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