What is Saral Suraksha Bima?
Saral Suraksha Bima is a personal accident insurance policy in India that covers you in case of any injury, disability or death due to an accident. This is available on an individual basis, for people between 18 years and 70 years of age. Before it crosses your mind, let us clarify – accidents don’t happen only when you’re driving! An accident is any sudden, unforeseen and unexpected physical event caused by external, violent and visible means. A person could have a bad accident while working in a factory. At home, a part of the roof could fall on someone. On the road, a bike rider could collide with a cyclist.
Who should buy Saral Suraksha Bima?
If you are the only earning member in your family, this is a must-have. It’s what your family can count on, if anything happens to you. You and your dependent children can also be covered from 3 months to 25 years of age.
Thoughtful features of Saral Suraksha Bima
Accidental Death
We never like to think about it, but accidents can end up being fatal. If this happens, your nominee will receive 100% of the Sum Insured to help them through the difficult times that follow.
Permanent Total Disablement
We never like to think about it, but accidents can end up being fatal. If this happens, your nominee will receive 100% of the Sum Insured to help them through the difficult times that follow.
Permanent Partial Disablement
An accident may leave you partially disabled. If this happens, we'll give you a percentage of the Sum Insured to help you cope financially.
Other optional Cover
Temporary Total Disability, Hospitalization expenses due to Accident and Education Grant
Why should you buy Saral Suraksha Bima?
Because accidents don’t come with a warning! You do your best to look after your family. But, are you prepared for the unexpected? An accident could leave you permanently disabled or worse! With Zuno, you can prepare even for the unexpected. Your personal accident policy, Saral Suraksha Bima, will look after your family and their finances if an accident harms you. Secure their financial future with a Sum Insured ranging from Rs 2,50,000 to Rs 1,00,00,000!
Saral Bima Suraksha Insurance addons
Temporary Total Disability Hospitalization
A Temporary Total Disability is an injury or an illness that causes a person to be completely disabled for a temporary and fixed amount of time. The benefit under this ranges from Rs 50,000 to Rs 20 Lakh.
Hospitalization expenses due to Accident
Your hospitalization expenses will be covered, up to 10% of the Sum Insured chosen.
Education Grant
Your child will receive a fixed benefit amount of 10% of the Sum Insured to meet his/her education expenses, in case of your Death or Permanent Total Disability
What is covered by Saral Suraksha Bima?
In case of accidental death of the Insured Person, the nominee gets 100% of the Sum Insured.
Permanent Total Disability is covered as defined in the terms and condition of the policy.
Permanent Partial Disability is covered as defined in the terms and condition of the policy.
What is not covered by Saral Suraksha Bima?
Injuries or death caused by war, war-like situations, invasion, acts of foreign enemies, civil war, rebellions, revolutions, mutinies, military or other coups, capture, arrest or detainment
Intentional self-injury, suicide or attempted suicide, except in cases of self-defence or while attempting to save a life
Injuries sustained or death that occurs while the Insured Person is under the influence of drugs, alcohol or other intoxicants, except in cases where the insured is not directly responsible for the injury or accident because of the influence of intoxicants
Exclusions if you choose the Hospitalization cover:
•Expenses related to investigations, diagnostics and evaluation
•The cost of dietary supplements and other substances that can be purchased without a prescription, including vitamins, minerals and organic substances, unless prescribed by a Doctor as part of hospitalization or daycare procedure
•Expenses for the treatment of accidental injuries that do not require hospitalization
•Expenses for domiciliary hospitalization or out-patient department procedures
•Treatment taken outside India *The above list is indicative in nature. Please read the Policy Wordings for complete details.
Why buy from us?
Zuno – with you every step of the way
Timely assistance - Get in touch with us 24x7 on our toll-free number 1800 12000.
Paperless process - Go green and paper-free with our 100% online policy issuance.
Hassle-free claim settlements - Zuno settles claims as quickly as possible with minimal paperwork.
How do I claim with Saral Suraksha Bima?
Call us on our: Toll free number -1800 12000 Paid landline - 022 423 12000 within 30 days of the accident taking place and let us know that you need to make a claim.
Or email us at support@hizuno.com to let us know the details of your claim.
Send us the documents Fill out the claim form and submit all the necessary documents, including your identity proof and a copy of the FIR.
You can email soft copies to support@hizuno.com or send the hard copies to Zuno General Insurance Company Limited, Health Claims Desk, 2th Floor, Tower 3, Wing-B Kohinoor City, Kirol Road, Kurla East, Mumbai, Maharashtra – 400 070
Let us work on it We’ll work on your claim and make the settlement within 30 days if all the documents are in order and your claim is accepted.
Common Saral Suraksha Bima Jargons
Permanent Disability
A physical or mental problem that indefinitely diminishes a person's ability to perform the duties or normal activities that they could perform before the accident or serious illness.
Temporary Total Disability
Injuries or illnesses that affect a person completely, but for a short or temporary period.
Why Buy Saral Suraksha Bima Online?
Not Applicable – Sorry, this plan is not made available for online purchase
Saral Suraksha Bima FAQ's
What Sum Insured can I take with Saral Suraksha Bima?
The minimum Sum Insured is Rs 2,50,000. If you'd like more cover, you can choose any amount up to Rs 1,00,00,000, as long as it's in multiples of Rs 50,000.
Is there any way I can increase my Saral Suraksha Bima policy cover?
Absolutely! You can purchase Add-ons along with your policy for enhanced cover, or simply increase your Sum Insured amount at the time of renewal. For every claim-free year, you will also enjoy a cumulative bonus, which translates into a higher Sum Insured.
Is there any waiting period to claim with Saral Suraksha Bima?
Since this plan offers cover only for accidents, there is no waiting period. You will enjoy cover right from the day you purchase the policy.
For how long is a Saral Suraksha Bima policy valid?
Every policy is valid for only a single year. But, our hassle-free renewal process makes it easy for you to continue to renew your policy at the end of every term. As for how long we'll cover you - don't worry about it, we've got your back for life.
Is a Family Floater policy available under Saral Suraksha Bima?
Unfortunately, Saral Suraksha Bima is only available for individuals. If you purchase the policy for multiple family members, you can get a discount on your premium.
How can I get a discount while buying Saral Surakhsa Bima?
We offer the following discounts on vour premium: * Online Discount - 15% discount on the total premium when you purchase the policy directly from the Zuno General Insurance website. * Family Discount - 5% discount on the total premium
How often do I have to pay the premium for Saral Surakhsa Bima?
This depends entirely on you and your financial situation. Typically, you have to pay your premium annually. But, if you'd like to pay in instalments, you can make premium payments monthly, quarterly or half-yearly.
Do you have any flexible payment options available with Saral Surakhsa Bima?
Yes, we do have flexible payment options.