The Saral Suraksha Bima policy by Star Health and Allied Insurance Co. Ltd.:

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Plan Essentials

 

1. Entry Age:

Individuals aged 18 to 70 years are eligible.

Dependent children are covered from 3 months to 25 years.

2. Sum Insured:

Minimum: ₹2.5 Lakhs.

Maximum: ₹1 Crore (in multiples of ₹50,000).

3. Installment Options: Premium can be paid quarterly, half-yearly, or annually.

4. Cumulative Bonus: 5% increase in Sum Insured for each claim-free year, up to 50% of the Sum Insured.

 

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Base Cover

 

1. Policy Term: Available for a 1-year term.

2. Policy Type: Covers individuals.

3. Accidental Death: 100% of the Sum Insured paid if death occurs within 12 months of the accident.

4. Permanent Total Disablement: 100% of the Sum Insured paid for permanent total disablement within 12 months of the accident.

5. Permanent Partial Disablement: Specific percentage of the Sum Insured as per policy clauses for permanent partial disablement occurring within 12 months of the accident.

 

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Optional Covers

 

1. Temporary Total Disablement: Compensation for temporary total disablement due to accidents, as per policy terms.

2. Hospitalization Expenses Due to Accidents: Medical expenses for hospitalization due to accidents covered up to 10% of the total Sum Insured.

3. Educational Grant: 10% of the Sum Insured provided as a one-time educational grant for dependent children in the event of accidental death or permanent total disablement.

 

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Refer to Policy Documents

 

For detailed terms, conditions, and exclusions, consult the official policy documentation.

 

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FAQs