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.

What is Saral Su​​raksha Bima?

Saral Suraksha Bima is a simple personal accident insurance policy that gives you a fixed lump-sum payout if you suffer death or disability due to an accident. It is designed to provide financial support to you or your family after serious accidental injuries, regardless of your income level or age.

This policy is regulated by IRDAI and follows a standard structure across all insurers, making it easy to understand, compare, and trust.

Is Saral Suraksha Bima an IRDAI-standard policy?

Yes. Saral Suraksha Bima is a standard policy defined by IRDAI, which means all insurance companies in India must offer it with the same coverage, definitions, and benefits.

The only differences between insurers are in claim service quality, digital convenience, and customer support, not in the core policy terms.

What does IndusInd Saral Suraksha Bima cover?

It provides financial protection against serious accident-related outcomes, including:

Accidental Death- Lump-sum payout to the nominee if the insured dies due to an accident

Permanent Total Disablement (PTD)- Full payout if an accident leads to total and permanent disability

Permanent Partial Disablement (PPD)- Proportionate payout if an accident causes partial permanent disability

How is Saral Suraksha different from regular health insurance?

Saral Suraksha Bima pays a fixed lump-sum amount after an accident, while health insurance reimburses or settles actual medical bills.

It covers accidents only, not illnesses, and works best as a supporting cover alongside mediclaim—helping with income loss, family expenses, and long-term financial stability after an accident.

Why Should You Buy IndusInd Saral Suraksha Bima?

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.

Sudden Road Accident Leading to Loss of Income

If an accident results in death or permanent disability, Saral Suraksha Bima pays a lump-sum amount to the family. This money can immediately support household expenses, loan EMIs and children's education at a time when income suddenly stops.

Temporary Disability That Stops You from Working

When an accident results in injuries that temporarily prevent you from working, this policy helps cover day-to-day expenses. Optional covers like Temporary Total Disablement (TTD) can provide periodic payouts during recovery.

Accidental Disability Requiring Long-Term Support

Permanent disabilities often lead to ongoing costs such as rehabilitation, home modifications or other devices. This benefit helps cover these long-term financial needs without draining your savings.

Accidental Hospitalisation with Extra Expenses

Even when hospital bills are covered by health insurance, accidents bring additional costs like travel, attendant care, or income loss. Saral Suraksha Bima helps bridge this financial gap with accident-linked payouts.

Who is Saral Suraksha Bima ideal for?

• Salaried Individuals: Provides income if an accident affects your ability to work, helping you support your family, relying on your salary.
• Self-Employed & Freelancers: Helps maintain financial stability when an injury stops you from working temporarily or permanently.
• Frequent Travellers: Extra accident protection for those regularly on the road for work or leisure.
• Students: Offers a safety net for young adults studying away from home, protecting them against sudden accidental injuries.
• Senior Citizens: Adds more protection for older adults who may be more prone to accidental injuries and have longer recovery times.

Key Features of IndusInd Saral Suraksha Bima

Note: The coverage features, prices and discount rates stated in the table are subject to change. Please check your policy documents to know your exact benefits and coverage limits, or contact customer support for further assistance.

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.

Up to 40% Off on Premiums

More coverage & more savings!

24x7 Customer Support

Get quick support anywhere!

Over 10,000+ Network Hospitals

Quick cashless claims pan-India!

AYUSH & Modern Surgery Treatments

Get 100% SI coverage for both

What is Covered and Not Covered under Saral Suraksha Bima? (Inclusions & 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 applies only if the permanent total disability occurs within 12 months 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 of 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 of 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.

Note: The inclusions and exclusions are subject to policy terms and conditions. Please refer to the official policy document for complete details here.

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.

Eligibility Criteria for IndusInd Saral Suraksha Bima Yojana

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.

Minimum & Maximum Entry Age

Available for individuals between the ages of 18 and 70 years.

Who Can Be Covered in the Saral Suraksha Bima Policy?

Policy can be availed for self and the following family members:

• Legally wedded spouse
• Parents and Parents-in-law
• Dependent Children (i.e., natural or legally adopted) between the ages of 3 months and 25 years.

Note: If the child above 18 years of age is financially independent, he or she will be ineligible for coverage in subsequent renewals.

Health and Lifestyle Disclosures

Disclose your lifestyle choices (like smoking or drinking) and complete medical history while buying to avoid claim issues later.

Sum Insured & Premium Options in IndusInd Saral Suraksha Bima

Saral Suraksha Bima Sum Insured Range

From ₹2.5 Lakh Up To ₹1 Crore

IndusInd Saral Suraksha Bima allows you to choose a sum insured starting from ₹2.5 lakh up to ₹1 crore. This is the amount your family receives if an accident leads to death or permanent disability.

You can select the cover in small steps (in multiples of ₹50,000), making it easier to match the policy with your income, responsibilities, and lifestyle.

If you choose a family policy, each member gets their own individual sum insured, instead of sharing one common amount. This ensures that one claim does not reduce protection for others.

How Is the Premium for Saral Suraksha Bima Calculated?

Age of the Insured

Premiums are lower at younger ages and gradually increase as age rises, since the risk of serious injury and recovery time tends to be higher with age.

Sum Insured Chosen

A higher sum insured means a higher payout in case of an accident, which also results in a proportionately higher premium.

Optional Covers Selected

Adding benefits like temporary total disability (weekly income), accident hospitalisation or education grant increases the premium slightly.

Occupation Risk Category

Jobs with higher physical or travel risks (like drivers, construction workers) attract higher premiums than desk-based or low-risk occupations.

Sample Premium Illustration

Example 1 - Individual Cover

Consider a 50-year-old individual choosing a ₹5 lakh cover under Saral Suraksha Bima.

If they also add optional benefits like accidental hospitalisation and an education grant, the premium increases slightly. However, online purchase discounts can reduce the final amount payable.

This shows how even a small annual premium can secure a meaningful payout for the family during an accident-related emergency.

Example 2 - Family Individual Covers

In a family policy, each member is covered separately, so premiums are calculated per person.

For example, adding a spouse and children increases the total premium, but it also ensures that each family member has their own protection, including child-specific benefits like education support in case of an accident to the earning parent.

This structure helps families plan protection without compromising coverage for any individual member.

Note: Premiums shown are indicative. Actual pricing depends on age, sum insured, occupation risk, optional covers chosen and more.

Discounts Under IndusInd Saral Suraksha Bima

5% Online Purchase Discount

Get 5%* off on premiums for buying the policy directly from our website or app.

Up to 7.50% Add-On Discount

Save 2.50%* to 7.50%* on premiums for purchasing our optional add-on covers.

Note: These discounts are subject to maximum limits. Please ensure you check your policy terms and conditions before purchase.

How to Buy and Renew Online?

Buy Online

• Scroll to the top of this page to buy the Saral Suraksha Bima 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.

Documents & Details Needed to Buy IndusInd Saral Suraksha Bima

Personal & Contact Details

You'll need basic personal and contact information such as your full name, city/town of residence, registered mobile number, email address, date of birth and gender.

KYC & Identity Proofs

For identity verification, you may be asked for documents such as a PAN card, an Aadhaar card and address proof (utility bill, passport, or similar government-issued ID).

Nominee & Relationship Details

Provide the nominee's name and their relationship to you. This helps ensure that claim payouts are directed correctly in the event of accidental death or disability.

Occupation & Income Details (for Risk Categorisation)

You will need to share your occupation and income details. Insurers use this to assess your accident risk category, which can influence premium pricing.

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.

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: ​IndusInd Insurance app

Correspondence Address:

IndusInd 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.

Note: For precise claim-related information, please refer to our policy documents or get in touch with our customer helpline.

Tax Benefits on Saral Suraksha Bima Premiums

Section 80D for Hospitalisation Due to Accident Benefit

Tax Deduction Under Section 80D

The premium paid for the hospitalisation due to accident benefit under Saral Suraksha Bima may be eligible for tax deduction under Section 80D of the Income Tax Act, as per prevailing tax laws.

Who Can Claim the Deduction

The deduction can be claimed by the individual who pays the premium-for self, spouse, dependent children, or parents-subject to overall Section 80D limits.

Subject to Policy Structure & Tax Rules

The availability of this benefit depends on how the accident hospitalisation cover is structured within the policy and applicable tax guidelines at the time of filing returns.

Important Disclaimers

Tax Laws Are Subject to Change

Tax benefits depend on current income tax regulations and may change based on government updates or clarifications.

Talk to a Tax Advisor

Consult a qualified tax consultant or chartered accountant. They help confirm eligibility and inform about applicable deduction limits based on your individual tax profile.

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.

Customer Support for Indus​Ind Saral Suraksha Bima

Here's how you can reach customer support for IndusInd Saral Suraksha Bima (formerly Reliance Saral Suraksha Bima) for policy help, claims support or general queries. These contact channels are based on the insurer's official support details.

Call, Email & WhatsApp Support

Call Centre Timings

You can call the customer support helpline for any product or service-related assistance:

Paid Helpline: +91 22 4890 3009 (available 9:00 AM to 7:00 PM, all days).

Senior Citizen Helpline: +91 22 3383 4185 (same timings).

Email ID for Saral Suraksha Bima Queries

For written support or detailed questions, you can email us:

services@indusindinsurance.com (new primary support email)

igicl.icarehealth@indusindinsurance.com (legacy/support transition email)

These emails can be used for policy servicing, coverage queries or documentation.

WhatsApp Support Details

For quick text support and basic queries, you can also reach out via WhatsApp:

WhatsApp Number: 74004 22200

This helps with quick answers, basic policy checks, and direction to the right support team.

Request a Call Back for Saral Suraksha Bima

If you prefer not to call directly, you can request a callback from a product expert:

• Visit the insurer's customer support or product page.
• Use the "Request a Callback" form by entering your name, mobile number, and product interest.
• A representative will reach out to help with pricing, features, or the purchase process. This is helpful for those who want personalised guidance without waiting on hold.

Become an Agent / Partner

Interested in selling or partnering with IndusInd Insurance?

You can apply to become an authorised agent or business partner, giving you access to tools, support, and training to distribute Saral Suraksha Bima and other insurance products. Contact the official support team or visit the Become an Agent section on the company site to start the process.

Frequently Asked Questions (FAQs)

What is Saral Suraksha Bima, and how does it work?

Saral Suraksha Bima is a standard personal accident insurance policy regulated by IRDAI. It provides a lump-sum payout if the insured suffers accidental death or disability. The claim amount is paid based on the severity of the accident and the sum insured chosen, helping families manage income loss and financial stress after accidents.

Who can buy IndusInd Saral Suraksha Bima?

Any individual who meets the age and eligibility criteria can buy IndusInd Saral Suraksha Bima. It is suitable for salaried employees, self-employed professionals, students, homemakers, and frequent travellers. The policy can be purchased by individuals and for family members under individual sum insured options.

What is the minimum and maximum sum insured under Saral Suraksha Bima?

Under IndusInd Saral Suraksha Bima, you can choose a sum insured starting from ₹2.5 lakh and going up to ₹1 crore, depending on your needs and risk profile. The sum insured determines the payout in case of accidental death or disablement and directly impacts the premium.

Does Saral Suraksha Bima cover hospitalisation due to accidents?

Yes, Saral Suraksha Bima can cover hospitalisation expenses due to accidents if you opt for the optional Hospitalisation Expenses Due to Accident add-on. This cover reimburses medical expenses arising from accidental injuries.

Can I buy Saral Suraksha Bima for my 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.

How is Saral Suraksha Bima different from my health insurance?

Saral Suraksha Bima pays a fixed lump-sum amount for accidental death or disability, regardless of medical bills. Health insurance, on the other hand, reimburses hospital expenses due to illness or accidents. Saral Suraksha works as an income-protection and compensation cover, complementing your mediclaim policy.

How long does it take to settle a Saral Suraksha Bima claim?

Saral Suraksha Bima claims are usually settled after all required documents are submitted and claim verification is completed. Timelines may vary based on claim complexity, but insurers aim for prompt settlement once documents like FIR, medical reports, and disability certificates (if applicable) are verified.

What is the age limit for Saral Suraksha Bima?

Saral Suraksha Bima is available for all those who fall between 18 years and 70 years of age at entry, with renewals allowed as per policy terms.

Does Saral Suraksha Bima cover injuries from adventure sports?

This policy excludes injuries caused by hazardous or adventure sports unless specifically covered under policy terms. Always review the policy wording to understand the exclusions for risky activities.

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).

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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