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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.

Secure the Earning Individuals of our Family!

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Reasons to Choose Care Health Insurance?

24800+ Cashless Healthcare Providers^^
48 Lakh+Insurance Claims Settled**
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Home / Health Insurance / Saral Suraksha Bima

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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

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 PPD & PTD 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

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

Sikha Dhawan

Saral Suraksha Bima

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.

Janak Bhaskar

Saral Suraksha Bima

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.

Lufta Ansari

Saral Suraksha Bima

Good experience

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

Write a Review

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

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

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

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 personal accident cover that is easy to understand and provides optimum coverage at an affordable premium can be daunting. Moreover, no matter how daunting the task is, securing the family's breadwinner becomes crucial.

Thus, Care Health Insurance offers an unparalleled plan to meet the unique needs of earning individuals. 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*

Claims Settled**

24800+
CASHLESS HEALTHCARE PROVIDERS^^

^**Number of claims settled as of 30th March 2024 ^*India Insurance Summit & Awards 2023

FAQ

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Most Frequently Asked Questions

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