Saral Suraksha Bima: Buy Accident Insurance Online in India
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Saral Suraksha Bima

ICICI Lombard

A policy that covers accidental death and disablement

  • Compensation on death/disablement following an accidental injury
  • Optional covers - Hospitalisation Expenses due to Accident, Temporary Total Disablement and Education Grant
Product UIN - ICIPAIP21626V012021
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Saral Suraksha Bima Yojana

What is Saral Suraksha Bima?

Accidents are unexpected events that can turn your world upside down. Unlike diseases which can be avoided with extreme caution and care, you may not be able to avoid an accident altogether. However, what you can do is ensure your family’s is taken care of financially if an accident ends up impacting you unfortunately. Saral Suraksha Bima provides that kind of security. It is a personal accident insurance policy that covers death and permanent total/partial disablement arising out of accidental injuries.

Additionally you may choose optional add-ons for temporary total disablement and accidental hospitalisation expenses. You can also opt for education grant cover, which will take care of your dependent children’s education in the unfortunate event of accidental death or disablement. All these add-ons are available on paying additional premium.

Why should you buy Saral Suraksha Bima?

Here’s how you can benefit from this standard personal accident policy.

Lump-sum benefit pay-out

Accidents could leave you and your family stranded. Saral Suraksha Bima pays out 100% of the policy sum insured in case of accidental death or permanent total disablement of the insured person.

Sum insured up to ₹1 crore

With rising inflation and higher cost of living, it is essential to take an adequate cover which secures your family financially in case of an unfortunate event.

Reliable protection for savings

If an accident causes permanent total disablement which affects your ability to work, you can fall back on this policy. The compensation you receive will help you safeguard your savings.

What is covered under the ICICI Lombard Saral Suraksha Bima plan?

Here’s what’s covered and what’s not.

  • inclusions
  • exclusions
  • Death

    In case of the policyholder’s death, we will pay 100% of the policy sum insured. This is applicable for death due to injuries the person sustains in an accident.
  • Permanent total disablement

    In case the policyholder suffers a permanent total disablement due to an accident, we will pay 100% of the policy sum insured. This is applicable in situations where the person has lost one or both eyes, hands or feet. This benefit will also apply if he/she is unable to work due to any such injury.
  • Permanent partial disablement

    In case the policyholder suffers a permanent partial disablement due to an accident, we will pay a specific percentage of the policy sum insured. For example, 50% of the sum insured is fixed for the loss of one hand, whereas for the loss of a thumb it is 25%.
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  • Hazardous sports, war, civil war or breach of law
  • Intentional self-injury (except in self-defence cases)
  • Alcohol or drug abuse
  • Any illegal act or any violation of the law

Note: This is an indicative list of the policy exclusions. Please refer to the
policy wordings for the complete list.

What are the add-on covers available under ICICI Lombard Saral Suraksha Bima insurance?You can avail of the below-mentioned add-ons by paying a nominal extra premium.

Temporary Total Disablement 1. Temporary total disablement

If the policyholder meets with an accident and sustains an injury that prevents him/her from working, temporarily we provide compensation. The benefit will be paid at quarterly intervals, or at the end of the disablement period, as applicable.

Hospitalization Expenses Due To Accident 2. Hospitalisation expenses due to accident

In case the policyholder meets with an accident and is hospitalised, we cover the medical expenses (up to 10% of the base sum insured). These include room rent, surgeon’s fees, ICU charges, diagnostic costs and medicine costs.

Education Grant 3. Education grant

If the policyholder suffers permanent total disablement or death, we pay out a one-time educational grant of 10% of the base sum insured. This benefit applies to every child from the listed dependent children and it is subject to terms and conditions.

What is the claim process for Saral Suraksha Bima insurance?


Intimate us within 30 days of the accident or event, in any of the below-mentioned ways –


You need to send us the following basic documents to process your claim –
  • Duly filled and signed claim form

  • Photo identity proof of the insured person

  • Copy of FIR/panchnama/police inquest report, (wherever these reports are required as per the circumstance of the Accident) duly attested by the concerned Police Station

  • Copy of medico-legal certificate, (wherever it is required as per the circumstance of the Accident) duly attested by the concerned Hospital

  • Any other relevant document we require to assess your claim

Note: This is a list of basic documents. For the complete list of case-specific claim documents, please check the policy wordings.


Once the claim is processed, here’s what happens –
  • We update you on the settlement of the claim

  • We transfer the policy benefit amount to you or your nominee (as the case maybe)

Get answers to common queries about Saral Suraksha Bima insurance

  • General
  • Cover
  • Premium
  • Claims
  • Policy
What is the age limit for taking this policy?

The minimum age for taking this policy is 18 years, and the maximum is 70 years.

How can I switch my current insurance to ICICI Lombard?

If you wish to switch your existing insurance to any ICICI Lombard plan, please provide your application and a duly filled portability form along with your previous policy documents. Kindly share these at least 45 days before the renewal date of your existing policy.

What are the other ICICI Lombard health plans that I can buy?

Apart from Saral Suraksha Bima, we also offer health insurance plans like Health AdvantEdge, Health Booster, Arogya Sanjeevani Policy, Corona Kavach Policy which provides people with the much needed financial backup during any medical emergencies

What is the difference between base coverage and add-ons?

The base coverage is in-built in the policy. The add-ons are optional; you can add them to the policy by paying a small additional premium to enhance the coverage.

Can I extend the coverage of this policy to my family members?

This policy does not come with a floater option. You can however purchase separate policies for your family members (spouse, parents and parents-in-law, and dependent children).

Does this policy cover loss of sight in a single eye?

Yes, it covers loss of sight in a single eye under the permanent partial disablement benefit. Please read the policy wordings for list of disablements covered

What are the different modes of payment on

You can choose between any of these payment options to pay your premium online:

  • Credit Card – Make secure premium payment with your VISA, Master, AMEX, RuPay or Diners Club card.
  • Net banking - Transfer the premium amount online through ICICI Bank or any of the other 50+ banks.
  • Debit Card – Just enter your bank’s debit card details to pay your insurance premium directly.
  • UPI and e-wallets - Pay through UPI apps such as Google Pay, BHIM UPI & PhonePe, or an online wallet.
  • EMI - Use the credit/debit card EMI facility to pay your premium in instalments.
How much premium qualifies for tax benefits?

Under section 80D of the Income Tax Act, you can avail of tax benefits for premiums paid towards your health insurance policy. The following table explains total tax deduction for only assesse, spouse, dependent children and parents (whether dependent or not):

Scenario Medical Insurance paid for self, spouse and dependent children (in ₹) Medical Insurance paid for parents (whether dependent or not) (in ₹) Total deduction under section 80D (in ₹)
All are under the age of 60 years 25,000 25,000 50,000
Assessee and family are under the age of 60 years 25,000 50,000 75,000
Parents are above the age of 60 years 25,000 50,000 75,000
Assessee and parents have attained or are above the age of 60 years 50,000 50,000 1,00,000
Will my premium be the same when I renew my policy?

Your premium depends on your age and the benefit amount/coverage period you have opted for in your policy.

  • If you move to a higher age band at the time of renewal, the premium will change as per the new age band.
  • If you upgrade your product to a higher sum insured at the time of renewal, add covers or make changes to the coverage period, your premium will change.
How can I file a health insurance claim?

If you need to make a claim under this policy, please intimate us in any of the following ways:

How can I track my claim for current claim status details?

Once you submit your claim, you can upload documents and track the status of your claim online here.

How soon can I file a claim on my policy?

You can file a claim from the policy start date itself.

What is the duration of this policy?

This policy is valid for one year. You can renew it before it expires so that you can continue with the coverage and don’t lose out on making claims.

What happens if I don’t renew my policy on time?

We provide a grace period of 30 days from the expiry of the policy. Beyond this period, you lose your renewal benefits. You will have to apply for a fresh policy post the grace period.

Can the sum insured be increased?

Yes, you can increase your sum insured either online or at our branch (at the time of renewing the policy). This is, however, subject to the underwriters’ approval and subject to an additional premium. Also, a fresh waiting period would apply to your enhanced limit from the effective date of such enhancement.

Can I cancel my Saral Suraksha Bima policy and get a refund?

We provide a 15-day free look period for Saral Suraksha. You may cancel this policy in the free look period by giving us written notice, and then we shall refund the premium.

You can also cancel this policy by giving 15 days’ written notice, anytime during the policy term. We will refund your premium on short-term rates as detailed below:

Risk Period (Policy in force) Percentage premium refunded (%)
Up to 30 days 77.50%
1 to 90 days 62.50%
3 to 6 months 42.50%
6 to 9 months 20.00%
9 to 12 months 0%

Note: This is an indicative list of the policy exclusions. Please refer to the policy wordings for the complete list.

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