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Saral Suraksha Bima

In the hustle of daily life, it's easy to forget to protect yourself and your loved ones. However, we are here to take care of all your needs. Read More

Saral Suraksha Bima from SBI General Insurance Company Limited is a product to secure your life and that of your loved ones so that the future does not have to be uncertain. Offering complete protection to you and your family, the Saral Suraksha Bima is the simplest insurance product you can buy.Read Less

FEATURES

Sum Insured Options between Rs 2.5 lakhs - Rs 1 crore

Sum Insured Options between Rs 2.5 lakhs - Rs 1 crore

Death due to accident

Death due to accident

Permanent Total Disablement

Permanent Total Disablement

Permanent Partial Disablement

Permanent Partial Disablement

Additional Sum Insured

Additional Sum Insured

Save tax under Sec. 80 D for Hospitalization due to Accident benefit

Save tax under Sec. 80 D for Hospitalization due to Accident benefit1

PLAN OPTIONS/VARIANTS

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    Saral Suraksha Bima (SBI Personal Accident)

    • Base Cover
      • Accidental Death
      • Permanent Total Disablement
      • Permanent Partial Disablement
      • Additional Sum Insured: 5% increase up to maximum of 50% of sum insured for every claim free year
    • Optional Covers
      • Temporary Total Disablement
      • Hospitalization Expenses due to Accident
      • Education Grant for children in case of death or Permanent Total Disability of Insured

Eligibility

Eligibility

  • The Saral Suraksha Bima Policy can be bought by any permanent Indian resident aged between 18 to 70 years. Dependent children can be included from the age of 3 months to 25 years

Exclusions

Death or disablement due to any of the following and the consequences thereof may not be covered:

  • War, invasion, acts of foreign enemy, hostilities, etc
  • Intentional self-injury
  • Incidents while under the influence of intoxicating liquor or drugs or other intoxicants except if the insured is not directly responsible for the injury / accident
  • Aviation or ballooning
  • Breach of law with criminal intent
  • Hazardous or Adventure sports
  • Ionising radiation, nuclear weapons/materials
  • chemical and biological terrorism
  • The above list of exclusions is illustrative and not exhaustive. For a full list of the exclusions , please refer to policy wordings.

Documentation

For paper-based transactions

  • Personal Accident Proposal form
  • KYC Documents :ID Proof & address proof(PAN & Aadhar)
  • Income documents (on case to case basis)

Bajaj Allianz life Smart Protect Goal

Disclaimer

The information must be read in conjunction with the product brochure and policy document. In case of any conflict between the Customer Information Sheet and the policy document the terms and conditions mentioned in the policy document shall prevailRead More

SBI General Insurance Company Limited I Corporate & Registered Office: 'Natraj', 301, Junction of Western Express Highway & Andheri - Kurla Road, Andheri (East), Mumbai - 400 069. | For more details on risk factors, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale. 'For SBI General Insurance Company Limited IRDAI Reg. No. 144 dated 15/12/2009 | CIN: U66000MH2009PLC190546 | SBI Logo displayed belongs to State Bank of India and used by SBI General Insurance Co. Ltd. under license. Website: www.sbigeneral.in Toll free: 18001021111 Saral Suraksha Bima. UIN - SBIPAIP21639V012021Read Less

FREQUENTLY ASKED QUESTIONS

Does the policy have any continuity benefit?

Yes, if no claim has been made under the policy with us and the policy is renewed with us without any break, we will allow a cumulative bonus to the renewal policy by increasing the Sum Insured by 5%. The maximum cumulative bonus shall not exceed 50% of the Sum Insured in any policy year. In case of a claim, the Cumulative Bonus if any under the policy will get reduced by 5% at the time of renewal. This cumulative bonus is applicable only to Accidental Death, Permanent Partial Disability and Permanent Total disability benefits.

Do I need to undergo pre-policy medical tests?

There is no pre- policy requirement in this policy. However any Pre- existing disabilities have to be declared on the Proposal Form and the case may be underwritten based on the level of disability

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