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Saral Suraksha Bima- Caring for Health Made Easy!

Generally, the earning individuals of a family are more exposed to accidental risks and financial crises. Thus, having an accidental insurance plan that covers hazards for the earning individuals becomes prudent.

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Reasons to Choose Care Health Insurance?

  • Healthcare Networks
    24800+ CASHLESS HEALTHCARE PROVIDERS^^
  • Claim settled ratio
    48 Lakh+INSURANCE CLAIMS SETTLED**
  • Claim settled
    24*7CLAIM AND CUSTOMER SUPPORT

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What is Care’s Saral Suraksha Bima?

Whether you are a manual worker or an entrepreneur, accidental injuries and permanent disability may be just a blink away! Thus, to ensure financial security for earning individuals, IRDAI has designed a personal accident insurance that covers death and disability owing to accidents.- Saral Suraksha Bima.

Saral Suraksha Bima is a thoughtfully designed and easy-to-access personal accident insurance covering accidents and adversities for earning individuals. The plan provides comprehensive coverage if the insured individual encounters accidents during their policy term.

Plan Highlights of Care’s Saral Suraksha Bima

The Saral Suraksha Bima from Care Health Insurance takes care of your finances if you encounter an accident or adversity. The plan has the below-mentioned highlights:

  • Care’s Saral Suraksha Bima compensates up to 100% of the Sum Insured in times of death.
  • The plan compensates up to 100% of the sum insured in the event of Permanent Total Disabilities due to accidents.
  • The plan provides coverage for listed Permanent Partial Disability.
  • You can avail yourself of a 5% no-claim bonus for every claim-free year.

Coverage Under Care Saral Suraksha Bima

See all Sum Insured Options east

Base Benefits Coverage
Death 100% of SI
*Permanent Total Disablement(PTD) 100% of SI
*Permanent Partial Disablement(PPD) Up to 100% of SI, as per annexure II
No Claim Bonus 5% in respect of each claim-free policy year, max up to 50%**
*Please refer to the list of disabilities covered in the policy documents and Policy Terms and conditions.
** The reduction in your coverage amount may decrease at the same rates as it was accrued
Brochure

Download the Brochure for Saral Suraksha Bima Complete Plan Details

Download Saral Suraksha Bima complete plan details

Read Through it!
Get Complete Policy Details in the Brochure With Our Expert Assistance!

Care Saral Suraksha Bima Plan Details

  • Entry Age – Minimum

    • Adult: 18 Years

  • Entry Age – Maximum

    • Adult: 70 Years

  • Exit Age: No Age Bar

  • Cover Type: Individual (Maximum up to 6 Persons)

  • Tenure Options: 1 Year

  • Premium Payment Term: Yearly

Download Terms & Conditions

  • Expenses attributable to suicide, tempted suicide, or any other self-inflicted injury

  • Expenses arising due to consumption of alcohol/tobacco or drug use/misuse/abuse

  • Claim arising out of mental illness, stress, psychiatric or psychological disorders

  • Expenses incurred due to unlawful activities

STEP 1

Emergency

Intimate within 24 hours of your hospitalization

Planned Hospitalization

Intimate us 48 hours prior to your hospitalization

STEP 2

Cashless

Request for pre-authorization

Reimbursement

Claim from submission

Complete the pre-authorization form available
at the hospitals insurance/TPA Desk and send us through fax.

Approval

Approval letter sent by the claim management team

Query

Hospital/Insured to response to the query raised by the claim management team

Rejected

You may initiate the treatment and file for reimbursement claim

Submission of claim form along with required
documents, as per the policy terms & conditions

Approval

Approval letter sent by the claim management team

Query

Insured to response to the query raised by the claim management team

Rejected

We will communicate the reason in case of rejection

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Voice of Our Customer

4.6
Write a Review
SD
Sikha Dhawan
Saral Suraksha Bima
5

Good plans

I have recently ported my policy to Care, and the plan coverage is really good. The cumulative bonus feature is also great! Hopeful.
JB
Janak Bhaskar
Saral Suraksha Bima
5

Claim team is humble☺

Nice people to talk to! Had a word with one of the claims agents and she helped me throughout the process. God bless.
LA
Lufta Ansari
Saral Suraksha Bima
4

Good experience

Bought a plan for my parents, and the coverage is nice. Although I faced difficulty in filing my claim, it got approved!
Rahul Sangwan

My appreciation for your prompt service

Recently, I’ve purchased JOY Maternity insurance for my expecting wife and my experience was excellent with the claim settlement team who helped me deal with all the formalities smoothly. Thank you for making my decision the right one!

Rahul Sangwan

Health Insurance

Samanway Barik

We will continue to avail of your scheme

I ported my healthcare plan last year; it is the wisest decision I made by choosing Care Health Insurance. I recently got admitted due to a viral infection, and all my expenses got covered under my plan.

Samanway Barik

Health Insurance

Soubhagya K Kulkarni

Everything went very smooth

Thank you for helping me when I needed help the most, being in the hospital. Buying Care’s health insurance plan is my best decision so far.

Soubhagya K Kulkarni

Health Insurance

Vaibhav Rai

Really helpful explaining the process in advance

Thank you for helping me with your fastest claim settlement process. I didn’t have to wait much for the approval. Everything was quick and seamless.

Vaibhav Rai

Health Insurance

Opting for a health insurance plan, especially one that covers specially-abled individuals, is tricky. Moreover, choosing a policy with the lowest premium may also not be wise, given the unique requirements of people who need special attention due to ADHD, Fetal Alcohol Syndrome, Down Syndrome, etc.

Thus, Care Health Insurance offers an unparalleled plan to meet unique needs during medical exigency. CHI offers a distinct set of benefits, giving a clear choice for providing the best possible health insurance.

Best Health Insurance Company of the year

Best Health Insurance
Company of the year*

claims-paid

48 Lakh+ Claims Settled**

cashless-claim

24800+
CASHLESS HEALTHCARE PROVIDERS^^

**Number of claims settled as of 30th June 2023       *India Insurance Summit & Awards 2023

FAQ

Q. What is the Saral Suraksha Policy?

The Saral Suraksha Bima is an accidental cover designed based on the guidelines of IRDAI. The plan provides compensation in times of accidental death or disability.

Q. Do all the insurers offer Saral Suraksha Bima?

Saral Suraksha Bima is a plan by the IRDAI. Thus, all health and personal accident insurance providers should offer the policy.

Q. What is Saral Suraksha Bima's tenure option?

The Saral Suraksha Bima offers coverage for one year.

Q. Will the policy offer a bonus under Saral Suraksha Bima?

Care’s Saral Suraksha Bima offers a no-claim bonus for every year you don’t file a claim. The policy increases 5% of base coverage every year for up to 50% of the sum insured.

Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.

~Tax benefit is subject to changes in tax laws. Standard T&C Apply

**Number of Claims Settled as of 31st March 2024

^^Number of Cashless Healthcare Providers as of 31st March 2024

Brochure

Download the Brochure for Saral Suraksha Bima Complete Plan Details

Download Saral Suraksha Bima complete plan details

Read Through it!
Get Complete Policy Details in the Brochure With Our Expert Assistance!

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