Buy ICICI Lombard Saral Suraksha Bima Plan Online In India
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ICICI Lombard Saral Suraksha Bima

ICICI Lombard Saral Suraksha Bima is a health insurance policy that su ...Read More

Up to 3 Crores
Sum insured
1
No. of plans
320+
Pan India presence
97.16%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,704 reviews
🏥 10,600+ hospitals
📊 2.69 solvency ratio
✅ 97.16% claim settlement

ICICI Lombard Saral Suraksha Bima is a health insurance policy that supports you when you are hit by an accident, leading to death or disabilities upto dysfunctionality.

Why do we recommend this?
  • Accidental death coverage
  • Permanent total disability coverage
  • Children’s education grant

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Child: 3 months - 25 years, Adult: 18 - 70 years
Plan type
Accident Health Insurance
Sum insured options
₹1 L
Waiting period
NA
Renewability
Lifelong
Policy term
1 Year

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Accidental death
  • Permanent total disability
  • Permanent partial disability
  • Cumulative bonus

Cons

  • Attempt to suicide/self-inflicted injury
  • STDs and HIV/AIDS
  • Mental or nervous disorder
  • Alcoholism or substance abuse

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Not covered
  • ICU charges Not covered
  • Pre-hospitalization Not covered
  • Post-hospitalization Not covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Not covered
  • OPD charges Not covered
  • Covid-19 treatment Not covered
  • Cataract Not covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Not covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Not covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Not covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Not covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not Applicable
  • Sub-limits Applicable
  • Compassionate travel Not covered
  • Global coverage Covered

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min entry age: 3 Months
  • Max entry age: 70 Years
  • Sum Insured: Up to 1 Cr

Frequently Asked Questions

The 5 most-asked questions about ICICI Lombard Saral Suraksha Bima, answered.

No, you can not cover your family members under a single policy as family floater benefits are unavailable. You can secure all your family members on an individual policy basis.
Yes, you must reach out to your insurer whether online or by visiting a branch office to modify the sum insured limit of your ICICI Lombard personal accident policy.
The maximum sum insured limit for buying this policy goes up to INR 1 Crore.
Yes, you can cover them under an individual policy through which they can avail of the educational grant benefit, given the insured has met with an accidental permanent total disability or an accidental death.
You can claim your Saral suraksha bima personal accident policy by reaching out to the insurer or by filling out the claim form at the time of hospitalization. For more details, ring us at 1800-4200-269.

Conclusion

Affordable accident insurance plan suitable for financial protection against accidental death, disab

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 19 May 2026 · Originally published: 29 Jan 2025

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