Saral Suraksha Bima

Accidents are unpredictable, and even a minor mishap can lead to unexpected financial strain for you and your loved ones. How do you protect your family from sudden medical bills or loss of income due to disability? Step into peace of mind with Saral Suraksha Bima, a straightforward, IRDAI-approved personal accident cover that keeps your finances safe with no complications attached.

In this guide, we’ll walk you through everything you need to know: what the policy covers, who is eligible, the key benefits, exclusions, required documents, how to buy it, and how to claim. By the end, you’ll see how this straightforward, no-frills plan can act as a financial safety net when life throws the unexpected your way.

If you’re unsure whether Saral Suraksha Bima or a more comprehensive accident plan suits you better, book a free 1-on-1 call with Ditto. We’ll help you make the right choice: no spam, no sales pitch, just honest advice.

What Are the Key Features of Saral Suraksha Bima?

Saral Suraksha Bima is designed to ensure you and your loved ones are protected from unexpected financial shocks. Its structure is simple, with mandatory base covers and optional add-ons that you can choose depending on your needs.

Base Covers

The plan comes with three essential covers that form the foundation of accident protection:

• Accidental Death: Pays 100% of the sum insured if the insured person dies within 12 months of an accident. For example, if the sum insured is ₹10 lakh, the nominee receives ₹10 lakh in the event of accidental death.
• Permanent Total Disablement (PTD): Provides a full payout for severe, life-altering disabilities such as loss of both eyes, both hands, both feet, or a combination of one eye and one limb. It also covers permanent inability to work.
• Permanent Partial Disablement (PPD): Pays a proportionate percentage of the sum insured depending on the body part affected. Examples include:
  • Loss of a thumb (both phalanges) → 25% payout
  • Loss of one hand, foot, or eye → 50% payout

These base covers ensure that major accidents don’t derail your financial stability.

Optional Add-Ons

You can enhance your protection with optional covers that cater to specific needs:

• Temporary Total Disablement (TTD): Provides a weekly income of 0.2% of the sum insured for up to 100 weeks, after a minimum waiting period of four weeks. This helps cover expenses if you are unable to work temporarily due to an accident. TTD benefits apply only if the temporary total disability continues for more than four consecutive weeks. However, once eligible, the benefit is paid for the entire period of disability starting from the date of the accident, not just from the fifth week onward.
• Accidental Hospitalization Expenses: Reimburses up to 10% of the sum insured, covering room rent, ICU charges, doctor fees, surgery, medicines, prosthetics, AYUSH treatments, day care procedures, dental care, plastic surgery, and ambulance charges up to ₹2,000 per hospitalization.
• Education Grant: Offers a one-time payment of 10% of the base sum insured per dependent child (up to 25 years old) if the policyholder dies or becomes permanently disabled. This ensures your child’s education is not disrupted in challenging times.

Additional Benefits

• Cumulative Bonus: For each claim-free year, the sum insured increases by 5%, up to a maximum of 50%. In the event of a claim, a 5% deduction is applied to the sum insured.
• Uniformity and Simplicity: The plan is standardized across all insurers, with no deductibles, and is renewable annually, making it a straightforward and dependable choice for accident protection.

Eligibility Criteria for Saral Suraksha Bima

The eligibility criteria are simple and inclusive:

• Age of Policyholder: Individuals aged 18 to 70 years can buy the policy. Some insurers may extend the upper age limit if needed.
• Dependent Children: Children aged 3 months to 25 years who are full-time students can be included under the policy.
• Family Members Covered: The policy can protect your spouse, parents, parents-in-law, and dependent children, as well as the proposer. This makes it suitable for a complete family accident cover.
• Policy Tenure: Each policy is valid for one year and can be renewed annually, allowing continuous protection without gaps.
• Sum Insured: The sum insured ranges from ₹2.5 lakh to ₹1 crore, in multiples of ₹50,000, giving flexibility to choose coverage according to your financial needs.
• Premium Payment Options: You can pay premiums annually, half-yearly, quarterly, or monthly, including through ECS for convenience.
• Grace Period: Insurers provide a 30-day grace period for annual payments and 15 days for other payment modes, ensuring that a small delay in payment doesn’t disrupt your coverage.

With these criteria, Saral Suraksha Bima is accessible to most adults and their families, making it a straightforward and inclusive accident protection plan.

Illustrative Premium Chart

 (HDFC ERGO Saral Suraksha Bima)

Note - Premiums are illustrative only, and may vary slightly based on insurer’s rounding and mode (annual/instalment).

Each person’s premium is calculated individually based on their age and coverage, so every insured pays a rate that reflects their own risk, rather than sharing a single family floater premium.

Inclusions and Exclusions of Saral Suraksha Bima

Inclusions

The Saral Suraksha Bima base policy provides essential protection against accidents and disabilities.

Base coverage includes:

• Accidental death
• Permanent Total Disability (PTD)
• Permanent Partial Disability (PPD)

Optional/add-on benefits include:

• Temporary Total Disability (TTD)
• Hospitalization expenses (limited to India)
• Education grant for dependent children

Additional features:

• Worldwide coverage for most benefits (except hospitalization).
• Cumulative bonus for claim-free policyholders, increasing the sum insured over time.

Exclusions

Saral Suraksha Bima does not cover claims arising from certain circumstances or activities, ensuring that the policy focuses on standard accident and disability risks.

General exclusions include:

• War, invasion, or civil unrest
• Suicide or intentional self-injury
• Intoxication or drug influence (unless not directly responsible)
• Aviation accidents (except as a fare-paying passenger)
• Participation in hazardous or adventure sports
• Nuclear, radiation, or chemical incidents
• Illegal acts

Hospitalization-specific exclusions include:

• Admissions for diagnostics only
• Vitamins or supplements without a doctor’s prescription
• Outpatient or domiciliary treatments
• Treatments received outside India
• Items listed under Annexure-B (e.g., baby food, telephone charges, gloves, home-use oxygen cylinders)

Documents Needed for Saral Suraksha Bima

01

Accidental Death

Claim form, ID proof, death certificate, postmortem report, FIR or police report, and proof of nominee.

02

Disability Claims (PTD/PPD)

Doctor’s certificate, discharge summary, medico-legal certificate, and completed claim form.

03

Temporary Total Disablement (TTD)

Certificate from a doctor confirming that disablement lasted more than four weeks.

04

Accidental Hospitalization

Hospital bills, prescriptions, reports, and ambulance receipts.

05

Education Grant

Proof of the child’s age, enrollment certificate, and proof of relation to the insured.

How to Buy Saral Suraksha Bima

Purchasing Saral Suraksha Bima is designed to be quick, convenient, and accessible for everyone. You can buy the policy through all general and standalone health insurers in the following ways:

• Physical purchase: At Point of Sale (POS) locations.
• Government access points: At Common Service Centers (CSCs).
• Online portals: Through the insurer’s website, allowing easy comparison of benefits, premium calculation, and completion of the purchase from home.

At the time of purchase, insurers must provide a Customer Information Sheet (CIS). This sheet:

• Summarizes all vital policy details.
• Explains coverage in a simple, easy-to-understand format.
• Helps you make informed decisions about your insurance purchase.

The insurer determines premiums for Saral Suraksha Bima based on factors such as:

• Age of the insured.
• Chosen sum insured.
• Optional add-ons selected.

These premiums are publicly disclosed, enabling you to compare different insurers and select the plan that best meets your needs.

The buying process is straightforward:

• Submit your personal details to the insurer.
• Choose your sum insured and any optional add-ons like TTD, hospitalization, or education grant.
• Make the premium payment, either digitally or offline.
• Receive your policy document immediately, either in digital or physical format.

Once issued, the policy provides coverage for a one-year period and can be renewed annually, ensuring uninterrupted protection against accidents for you and your family.

What Is the Claim Process for Saral Suraksha Bima?

1. Notify the insurer as soon as possible, within 30 days of the accident, or within 24 hours for emergency hospitalization.
2. Submit all required documents within one month of treatment completion or death.
3. The insurer will make a claim decision within 30 days, or within 45 days if an investigation is required.
4. In case of delayed settlements, the insurer pays interest at 2% above the RBI bank rate.

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Conclusion

Saral Suraksha Bima is a no-frills, standardized personal accident insurance policy that offers clear and uniform protection across all insurers. With base covers for accidental death, permanent total disability (PTD), and permanent partial disability (PPD), along with optional add-ons like temporary total disability (TTD), hospitalization expenses, and education grants, it is ideal for individuals and families seeking transparent and reliable accident protection.

However, it serves as a basic policy providing baseline coverage. For those looking for broader protection, opting for a comprehensive standalone personal accident plan is recommended. These advanced plans often include additional benefits such as adventure sports cover, loan protection, elderly care, burns and fracture coverage, prosthetics, and even funeral expenses.

Regulated by IRDAI, Saral Suraksha Bima remains a simple, easy-to-understand, and accessible choice that ensures financial stability during unforeseen accidents.

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