Simple, Powerful & Affordable Personal Accident Protection

Life is unpredictable — accidents can happen anywhere, anytime. A single mishap can affect your health, income, and family’s financial stability. ICICI Lombard Saral Suraksha Bima is a government-standardized personal accident insurance plan designed to provide clear, simple, and transparent protection without complicated terms.

If you want straightforward accident coverage with strong financial security at affordable premiums, this policy is an excellent choice.

⭐ What Makes Saral Suraksha Bima Special?

• Fully IRDAI-standardized plan across all insurers
• Clear benefits with no hidden conditions
• Affordable premium for high protection
• Provides coverage for accidental death and permanent disability
• Ideal for individuals, employees, families, and self-employed persons
• Easy to understand, easy to claim

🛡️ Core Coverage Benefits

1️⃣ Accidental Death Cover

If the insured person dies due to an accident, the sum insured (100%) is paid to the nominee.
✔ Ensures the family remains financially secure
✔ Helps manage daily expenses, debts, and future goals

2️⃣ Permanent Total Disablement (PTD)

If an accident causes permanent and total disability (like loss of both limbs, eyesight, etc.), the insured receives 100% of the sum insured.
✔ Acts as a financial support during long-term recovery
✔ Helps maintain lifestyle even when unable to work

3️⃣ Permanent Partial Disablement (PPD)

For partial disability (like loss of one eye, one limb, fingers, etc.), a percentage of the sum insured is paid.
✔ Useful for medical care, therapy, and income support

🎯 Optional Add-On Benefits

(ICICI Lombard may offer these depending on the policy version)

• Temporary Disablement benefit (weekly income support)
• Hospitalization expenses due to accident
• Ambulance Charges
• Education Grant for Children

💡 Who Should Buy This Plan?

• Salaried employees
• Daily wage workers
• Self-employed professionals
• Drivers, delivery staff, factory workers, laborers
• Housewives & students
• Anyone wanting affordable personal accident coverage

⭐ Key Features at a Glance

• Sum insured options from ₹2.5 lakh to ₹1 crore
• Affordable premium starting very low
• Hassle-free and transparent coverage
• No medical test typically needed
• Coverage available for ages 18 to 70
• Simple claim process

📝 Why Saral Suraksha Bima Is a Must-Have

• Road accidents are rising every year
• Ensures financial stability during unexpected mishaps
• Provides peace of mind with minimal paperwork
• Works as an essential backup for your family’s security

Conclusion

ICICI Lombard Saral Suraksha Bima is a simple yet powerful personal accident policy that ensures your family stays financially protected even if life takes an unexpected turn. With clear terms, affordable premiums, and guaranteed benefits, it is one of the most reliable accident insurance choices available today.

If you want straightforward coverage that truly matters, this plan is definitely worth choosing.

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