Saral Suraksha Bima Health Cover up to₹243/Month*
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Coverage up to ₹1 crore
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Accident disability covered
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100% sum insured payout
Saral Suraksha Bima
Saral Suraksha Bima is a health policy designed to provide a lump sum payout to you and your family in case of loss of life or permanent partial/total disablement resulting from an accident.
It covers a wide range of accidents, such as injuries from slips and falls, workplace mishaps and other unforeseen incidents. This plan is particularly suitable for breadwinners or those who contribute significantly to the family income and frequently travel for work.
The IndusInd Saral Suraksha Bima (previously known as Reliance Saral Suraksha Bima) policy provides a lump sum of up to ₹1 crore. This protection starts from day 1 of policy purchase. The policy also covers hospitalisation expenses (over 24 hours) due to an accident, including room rent, ICU stays, specialist fees, hospitalisation under AYUSH treatment, and more.
Overall, the IndusInd Saral Suraksha Bima ensures you and your family remain financially secure in the event of unforeseen accidents that could lead to a loss of income.
What is Saral Suraksha Bima?
Saral Suraksha Bima is a simple personal accident insurance policy that gives you a fixed lump-sum payout if you suffer death or disability due to an accident. It is designed to provide financial support to you or your family after serious accidental injuries, regardless of your income level or age. This policy is regulated by IRDAI and follows a standard structure across all insurers, making it easy to understand, compare, and trust.
Is Saral Suraksha Bima an IRDAI-standard policy?
Yes. Saral Suraksha Bima is a standard policy defined by IRDAI, which means all insurance companies in India must offer it with the same coverage, definitions, and benefits. The only differences between insurers are in claim service quality, digital convenience, and customer support, not in the core policy terms.
What does IndusInd Saral Suraksha Bima cover?
It provides financial protection against serious accident-related outcomes, including:
Accidental Death – Lump-sum payout to the nominee if the insured dies due to an accident
Permanent Total Disablement (PTD) – Full payout if an accident leads to total and permanent disability
Permanent Partial Disablement (PPD) – Proportionate payout if an accident causes partial permanent disability
How is Saral Suraksha different from regular health insurance?
Saral Suraksha Bima pays a fixed lump-sum amount after an accident, while health insurance reimburses or settles actual medical bills.
It covers accidents only, not illnesses, and works best as a supporting cover alongside mediclaim—helping with income loss, family expenses, and long-term financial stability after an accident.
Why Should You Buy IndusInd Saral Suraksha Bima?
Recent reports from Nifty 500 companies reported 10,733 workplace injuries in FY23, an 8.5% rise from the previous year. Such mishaps can lead to a loss of income, high medical costs and strained finances for the entire family, making financial support necessary. And that’s where the IndusInd Saral Suraksha Bima policy can help.
A health insurance plan covers for these unexpected medical expenses, ensuring you don't have to bear the financial burden. You can focus on getting the medical care you need without worrying about the cost. In simple terms, health insurance helps you to reduce or avoid a larger financial stress by paying a comparatively smaller premium.
Up to 40% Off on Premiums
More coverage & more savings!
24x7 Customer Support
Get quick support anywhere!
Over 10,000 Network Hospitals
Quick cashless claims pan-India!
AYUSH & Modern Surgery Treatments
Get 100% SI coverage for both
Who is Saral Suraksha Bima ideal for?
Key Features of IndusInd Saral Suraksha Bima
The IndusInd Saral Suraksha Policy offers several key benefits, ranging from a high sum insured to value-added services like 24/7 access to our online services and quick, paperless processes. Here are some of the key features of this plan:
Key Features | Details |
|---|---|
Flexible Sum Insured Options | Sum Insured (SI) starts from ₹2.5 lakh and goes up to ₹1 crore |
Maximum Payout Benefit | Provides compensation to your family of up to 100%* of the sum insured |
Ambulance Charges | Up to ₹2,000* per hospitalisation for ambulance services (add-on) during hospitalisation |
Policy Period | This policy can be issued for a period of 1 year with a yearly renewal option |
No Waiting Period | Comprehensive protection from day one* |
No Deductible | Complete coverage amount without any deductibles |
No Co-Payment | No payout from your own pocket |
Flexible Premium Payment Options | Quarterly, half-yearly and monthly payout options |
Optional Add-Ons | Temporary total disablement, Education grant, hospitalisation expenses due to accident |
Discounts | 5%* online purchase discount, up to 7.50%* on opting for all 3 add-ons |
IndusInd Saral Suraksha Bima Add-Ons
Temporary Total Disablement
This add-on provides a benefit up to the sum insured to support you financially in case an accident during the policy period leaves you completely unable to work in any job you could do before. The benefit is payable from the date of the accident if the period of disablement exceeds four weeks and continues until the insured person is able to return to work, up to a maximum of 100 weeks.
Hospitalisation Expenses due to Accident
Provides coverage for hospitalisation costs after an accident up to 10%* of the base SI. E.g., if your base SI is ₹10 lakh, you’ll be covered up to ₹1 lakh. It includes coverage for hospital room, fees for the surgeons and specialists, anaesthesia, medicines, diagnostics costs, ICU expenses, cost of prosthetics, AYUSH treatment, dental treatment, plastic surgery, daycare treatment and more.
Education Grant
This cover pays a one-time educational grant of 10%* of the base sum insured for each dependent child (up to the age of 25), following the death or permanent total disability of the insured person. The dependent child must be a full-time student at an educational institution and within the required age group. This reduces your financial strain and fulfils your responsibilities.
Discounts Under IndusInd Saral Suraksha Bima
My Employer is taking care of my Health Insurance and so I do not need one
5% Online Purchase Discount
Get 5%* off on premiums for buying the policy directly from our website or app.
My Employer is taking care of my Health Insurance and so I do not need one
Up to 7.50% Add-On Discount
Save 2.50%* to 7.50%* on premiums for purchasing our optional add-on covers.
Disclaimer: These discounts are subject to maximum limits. Please ensure you check your policy terms and conditions before purchase.
IndusInd Saral Suraksha Bima: Inclusions and Exclusions
What is Covered?
Permanent Total Disablement Due to Accident: The policyholder receives 100% of the sum insured in the event of permanent total disablement solely and directly resulting from an accident. This coverage only applies if the permanent total disablement occurs within 12 months from the date of the accident.
Permanent Partial Disablement Due to Accident - The policyholder receives 100% of the sum insured in the event of permanent partial disablement solely and directly resulting from an accident. This coverage only applies if the permanent partial disablement occurs within 12 months from the date of the accident.
Accidental Death: Policyholder’s family gets 100% of the sum insured paid out to them if the policyholder dies due to an injury sustained during an accident. The policy will only cover accidental death, provided that the insured person’s death occurs within 12 months from the date of the accident.
What is Not Covered?
Adventure Sports, Aviation, Illegal Activities & Intoxication: We cover all accident-related claims, except those arising from adventure sports, illegal activities and intoxication due to drugs and alcohol. We also do not cover balloon or aircraft crew members.
Intentional Self Injury: We fully cover hospitalisation, death or disablement due to intentional self-injury only when it is done in self-defence or to save someone’s life.
War & Radiation Poisoning: Any claims for death or disablement directly or indirectly due to war, revolutions, mutiny, ionising radiation or contamination by any nuclear substances will not be covered.
Disclaimer: The inclusions and exclusions are subject to policy terms and conditions. Please refer to the official policy document for complete details here.
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Eligibility Criteria for IndusInd Saral Suraksha Bima Yojana
As a prospective buyer, here are the conditions you need to fulfil and follow in order to buy the IndusInd Saral Suraksha Bima policy. Knowing these policy terms can help you determine which plan option is the best for you.
Minimum & Maximum Entry Age
- Available for individuals between the ages of 18 and 70 years.
Who Can Be Covered in the Saral Suraksha Bima Policy?
Legally wedded spouse
Parents and Parents-in-law
Dependent Children (i.e., natural or legally adopted) between the ages of 3 months and 25 years.
Note: If the child above 18 years of age is financially independent, he or she will be ineligible for coverage in subsequent renewals.
Health and Lifestyle Disclosures
Disclose your lifestyle choices (like smoking or drinking) and complete medical history while buying to avoid claim issues later.
Sum Insured & Premium Options in IndusInd Saral Suraksha Bima
Saral Suraksha Bima Sum Insured Range
From ₹2.5 Lakh Up To ₹1 Crore
IndusInd Saral Suraksha Bima allows you to choose a sum insured starting from ₹2.5 lakh up to ₹1 crore. This is the amount your family receives if an accident leads to death or permanent disability.
You can select the cover in small steps (in multiples of ₹50,000), making it easier to match the policy with your income, responsibilities, and lifestyle.
If you choose a family policy, each member gets their own individual sum insured, instead of sharing one common amount. This ensures that one claim does not reduce protection for others.
How Is the Premium for Saral Suraksha Bima Calculated?
Age of the Insured
Premiums are lower at younger ages and gradually increase as age rises, since the risk of serious injury and recovery time tends to be higher with age.
Sum Insured Chosen
A higher sum insured means a higher payout in case of an accident, which also results in a proportionately higher premium.
Optional Covers Selected
Adding benefits like temporary total disability (weekly income), accident hospitalisation or education grant increases the premium slightly.
Occupation Risk Category
Jobs with higher physical or travel risks (like drivers, construction workers) attract higher premiums than desk-based or low-risk occupations.
How Is the Premium for Saral Suraksha Bima Calculated?
Age of the Insured
Premiums are lower at younger ages and gradually increase as age rises, since the risk of serious injury and recovery time tends to be higher with age.
Sum Insured Chosen
A higher sum insured means a higher payout in case of an accident, which also results in a proportionately higher premium.
Optional Covers Selected
Adding benefits like temporary total disability (weekly income), accident hospitalisation or education grant increases the premium slightly.
Occupation Risk Category
Jobs with higher physical or travel risks (like drivers, construction workers) attract higher premiums than desk-based or low-risk occupations.
Examples to Understand the Saral Suraksha Bima Coverage
Example 1 – Individual Cover
Consider a 50-year-old individual choosing a ₹5 lakh cover under Saral Suraksha Bima.
If they also add optional benefits like accidental hospitalisation and an education grant, the premium increases slightly. However, online purchase discounts can reduce the final amount payable.
This shows how even a small annual premium can secure a meaningful payout for the family during an accident-related emergency.
Example 2 – Family Individual Covers
In a family policy, each member is covered separately, so premiums are calculated per person.
For example, adding a spouse and children increases the total premium, but it also ensures that each family member has their own protection, including child-specific benefits like education support in case of an accident to the earning parent.
This structure helps families plan protection without compromising coverage for any individual member.
Disclaimer: Premiums shown are indicative. Actual pricing depends on age, sum insured, occupation risk, optional covers chosen and more.
Documents & Details Needed to Buy Saral Suraksha Bima
As a prospective buyer, here are the conditions you need to fulfil and follow in order to buy the IndusInd Saral Suraksha Bima policy. Knowing these policy terms can help you determine which plan option is the best for you.
How to Buy and Renew Online?
Buy Online
Scroll to the top of this page to buy our Saral Suraksha Bima insurance policy.
Enter your name, city, email ID and mobile number.
Agree to the terms and conditions to proceed.
Check the plan and its coverage to confirm. Click on “Submit”.
Once you submit, your personal insurance advisor will reach out to you shortly.
Renew Online
Go to the calculator at the top of this page and select "Renewal".
Enter your policy number or mobile number as requested.
Click “Send OTP” for mobile number verification and continue.
Review and edit your existing policy if needed.
View the updated premium and pay online to renew instantly.
Health insurance starting at just ₹243 per month*!
Secure Your Accident Coverage!
With Saral Suraksha Bima, get essential personal accident coverage and ensure financial support for you and your family during unforeseen events.
Tax Benefits on Saral Suraksha Bima Premiums
Section 80D for Hospitalisation Due to Accident Benefit
Tax Deduction Under Section 80D
The premium paid for the hospitalisation due to accident benefit under Saral Suraksha Bima may be eligible for tax deduction under Section 80D of the Income Tax Act, as per prevailing tax laws.
Who Can Claim the Deduction
The deduction can be claimed by the individual who pays the premium—for self, spouse, dependent children, or parents—subject to overall Section 80D limits.
Subject to Policy Structure & Tax Rules
The availability of this benefit depends on how the accident hospitalisation cover is structured within the policy and applicable tax guidelines at the time of filing returns.
Important Disclaimers
Tax Laws Are Subject to Change
Tax benefits depend on current income tax regulations and may change based on government updates or clarifications.
Talk to a Tax Advisor
Consult a qualified tax consultant or chartered accountant. They help confirm eligibility and inform about applicable deduction limits based on your individual tax profile.
How to File a Claim Under IndusInd Saral Suraksha Bima?
Claim Intimation
Intimation must be given within 30 days of the event or after the completion of the treatment or after transportation of the mortal remains/burial in the event of death.
Emergency hospitalisation? Inform us within 24 hours of the admission of the insured person to the hospital.
How to Reach Us?
Email: healthcare@indusindinsurance.com
Website: https://www.indusindinsurance.com/
Phone: 022-4111 2600
Correspondence Address:
Reliance General Insurance Co. Limited, 3rd floor, Krishe Block, Krishe Sapphire Building, Madhapur, Hyderabad - 500081. Near Durgam Cheruvu Metro Station
Claim Settlement
The Company shall settle or reject a claim, as the case may be, within 30 days from the date of receipt of the last necessary document.
Disclaimer: For precise claim-related information, please refer to our policy documents or get in touch with our customer helpline.
Key Takeaways
IndusInd Saral Suraksha Bima helps protect you and your family from the financial impact of unexpected accidents, offering up to 100%* lump sum payout of the SI (ranging between ₹2.5 lakh and ₹1 crore) in case of loss of life or disability due to accidents.
IndusInd General Insurance (previously known as Reliance General Insurance) offers flexible coverage, 3 useful optional covers and lifelong renewability for continuous coverage. With comprehensive coverage and high payouts, you can get a policy that supports your family and expenses. It covers partial and total disability and loss of life due to an accident, and you can enhance the coverage for your child’s education and coverage for medical expenses due to hospitalisation.
Additionally, you get day 1 coverage with zero waiting periods and no deductibles, so you get coverage without worrying about out-of-pocket expenses. With us, you are not just buying insurance, you have a reliable partner, ensuring you are protected against life’s unexpected turns.
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