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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?

    • Healthcare Networks
      22900+ Cashless Healthcare Providers^^
    • Claim settled ratio
      38 Lakh+Insurance Claims Settled**
    • Claim settled
      24*7Claim and Customer Support

    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:

    Coverage Under Care Saral Suraksha Bima

    See all Sum Insured Options arrow close
    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

    22900+ Health Care Providers Serving Cashless Medical Services Across The Globe

    Look for hospitals around you

    Detailed Hospital List
    22900+ Health Care Providers Across The Globe
    22900+ Health Care Providers Across The Globe

    Voice of our Customer

    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 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

    Best Health Insurance
    Company of the year*

    claims-paid

    38 Lakh+ Claims Settled**

    cashless-claim

    22900+
    CASHLESS HEALTHCARE PROVIDERS^^

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

    FAQs on Care Freedom

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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.

    *Source: IBAI Claims Handbook for FY 19-20 and *number of claims settled as on June 30, 2020

    ^^Number of Cashless Healthcare Providers as of 30th June 2023

    10% discount is applicable for a 3-year policy

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