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.
Key Benefits of IndusInd Saral Suraksha Bima
Key Insight on Workplace Injury
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.
Why 5 Crore+ Policyholders Choose Us?
IndusInd General Insurance (previously Reliance General Insurance) is committed to supporting you and your family through every stage of life, providing you with the required health insurance coverage for a safer, more secure tomorrow.
Coverage from Day 1*
Instant cover with no waiting period*
AI-Assisted Claims on Self-i*
Claim settlement with complete ease
3 Unique Add-Ons*
For enhanced protection
Nationwide Network
10,000+ network hospitals in India*
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 lakhs 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 |
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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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.
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: Make A Health Insurance Claim
Phone: 022-4111 2600
App: Self-i App
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.
Things to Check When You Buy Our Plan
Free Look Period
The insured will be allowed a period of 15 days from the date of receipt of the policy to review the terms and conditions of the policy. In case you decide to cancel the plan within this 15-day period, you get a full refund. The Free Look Period is applicable only to a new policy and not to renewals.
Cancellation Policy
You must provide a 15-day notice to us if you want to cancel your plan and receive a refund. Cancelling within 30 days offers a 75% refund, cancelling between 31 and 90 days offers 50%, cancelling between 3 and 6 months offers 25%, and cancelling between 6 and 12 months offers no refund.
Renewal Clause
- This policy is renewable except on the grounds of fraud or misrepresentation by the insured person. You'll need to inform us and pay the renewal premium before your policy expiry date. You can also renew during the 30-day grace period. You can also modify your policy with add-ons during renewal.
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 lakhs 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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Frequently Asked Questions
I already have life insurance. Why do I need Saral Suraksha Bima?
While life insurance offers financial support to your family in case of your natural or accidental death, Saral Suraksha Bima specifically protects you against accidental injuries and disabilities.
It provides compensation for accidental death, permanent or partial disability and related expenses (areas typically not covered by standard life insurance policies).
Can the Saral Suraksha Bima be taken for the entire family?
Yes, Saral Suraksha Bima can be purchased for your entire family. Members you can cover under the plan include – your spouse, dependent children (3 months to 25 years), parents and parents-in-law.
Each family member will get individual coverage with their own sum insured, ensuring everyone is protected separately under the policy. This way, your whole family can have financial security against accidental injuries or death. All claims under the policy are payable in Indian currency only.
Does this policy continue to offer coverage after payment of the sum insured?
This policy shall automatically terminate upon the insured person's death or payment of 100% of the sum insured, and renewal of the contract will not be permissible.
Is the coverage under this policy applicable worldwide?
The coverage of Saral Suraksha Bima is worldwide except for the optional cover "Hospitalisation expenses due to accident". This add-on covers medical treatment taken in India only.
Is it necessary to inform IndusInd General if there is a change in my job profile/occupation after taking the policy?
Yes. You need to immediately notify us in writing of any change in your business or occupation.
Is a nomination required under this policy?
Yes, you need to add a nominee when buying the plan so we can make the payout to the nominee in the event of your passing. If you want to change the nominee, you must contact us or communicate this to us in writing. The change will be in effect only when an endorsement of the policy is made.
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