Saral Suraksha Bima Family Health Insurance Plan in India | Max Bupa
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Death

Covered up to sum insured for Accidental Death.

Permanent Total Disablement

Covered up to Sum Insured for Permanent Total Disablement due to accident.

Permanent Partial Disablement

Covered up to 50% of Sum Insured for Permanent Partial Disablement due to Accident

Cumulative Bonus

Base Sum Insured increase by 5% for every claim free year. Maximum to 50% of Base Sum Insured.

Temporary Total Disablement

Optional Cover, 0.2% of Base Sum Insured per week for Maximum 100 weeks.

Hospitalization due to Accident

Optional Cover, up to 10% of Base Sum Insured.

Know what’s covered under the Saral Suraksha Bima Plan (Standard Personal Accident Plan)

Simple search and find answers to your specific queries regarding Saral Suraksha Bima Plan or go through the features listed below. 

All Benefits

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Death

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Get 100% of Base Sum Insured in case of Death due to an Accident.

Permanent Total Disablement

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Get up to 100% of Base Sum Insured in case the Insured suffers a Permanent Total Disablement as per the nature specified in the Policy Wordings.

Permanent Partial Disablement

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Get up to 50% of Base Sum Insured in case the Insured suffers a Permanent Partial Disablement as per the nature specified in the Policy Wordings.

Cumulative Bonus

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Increase of 5% in Sum Insured every Claim free year. Maximum up to 50% of Sum Insured will be increased.

Standout Features

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Death

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Get 100% of Base Sum Insured in case of Death due to an Accident.

Permanent Total Disablement

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Get up to 100% of Base Sum Insured in case the Insured suffers a Permanent Total Disablement as per the nature specified in the Policy Wordings.

Cumulative Bonus

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Increase of 5% in Sum Insured every Claim free year. Maximum up to 50% of Sum Insured will be increased.

Add-on Features

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Temporary Total Disablement

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Get 0.2% of Base Sum Insured per week for the number of weeks the Insured is unable to get back to work due to an accident. Maximum 100 weeks.

Education Grant:

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In case of Death or Permanent Total Disability of an Insured Person, 10% of base Sum Insured will be payable to all dependent children.

Hospitalization Expenses Due to Accident

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Get up to 10% of Base Sum Insured in case of Hospitalization sue to an accident. Hospitalization, ICU Expenses, Room Expenses, Ambulance (INR 2000), Dental treatment, Plastic Surgery, All Day Care Treatments will be covered under this plan if necessitated due to the accidental injury.

Exclusions

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Permanent Exclusions

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  • Any claim for death or disablement (whether of a permanent nature or of a temporary nature), hospitalisation of the insured person, directly or indirectly due to War (whether declared or not) and war like occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, revolutions, insurrections, mutiny, military or usurped power, seizure, capture, arrest, restraints and detainment of all kinds.
  • Any claim for death, disablement (whether of a permanent nature or of a temporary nature), hospitalization of Insured Person
    • from intentional self-injury unless in self-defense or to save life, suicide or attempted suicide
    • Whilst under the influence of intoxicating liquor or drugs or other intoxicants except where the insured is not directly responsible for the injury accident though under influence of intoxication.
    • Whilst engaging in aviation or ballooning, or whilst mounting into, or dismounting from or travelling in any balloon or aircraft other than as a passenger (fare-paying or otherwise) in any Scheduled Airlines in the world.
    • [Standard type of aircraft means any aircraft duly licensed to carry passengers (for hire or otherwise) by appropriate authority irrespective of whether such an aircraft is privately owned or chartered or operated by a regular airline or whether such an aircraft has a single engine or multiengine
    • Arising or resulting from the Insured Person committing any breach of law with criminal intent.
  • Any claim for death, disablement (whether of a permanent nature or of a temporary nature), hospitalization of Insured Person due to participation as a professional in hazardous or adventure sports, including but not limited to, para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep-sea diving.
  • Any claim resulting or arising from or any consequential loss directly or indirectly caused by or contributed to or arising from:
    • Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel or from any nuclear waste from combustion (including any self-sustaining process of nuclear fission) of nuclear fuel.
    • Nuclear weapons material
    • The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
    • Nuclear, chemical and biological terrorism
  • Any loss arising out of the Insured Person's actual or attempted commission of or willful participation in an illegal act or any violation or attempted violation of the law
  • Exclusions specific to “Hospitalisation Expenses due to Accident”: Investigation & Evaluation (Code- Excl04)

No Waiting Periods

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Painless Rewards

Assured plan renewal for life

Be pro-active to be active

​​​Get Cumulative Bonus of 5% every claim free year. Maximum 100% of Base Sum Insured.

Hassle-free 5 minutes renewal process

Get the most value from Saral Suraksha Bima Plan

The Max Bupa Promise

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The Max Bupa Promise

30 Minute cashless claims processing

Spend less time on paperwork and more with your family

Health network beyond hospitals

A cashless network of 4500+ hospitals & 2000+ doctors

No third-party agents! Direct claim settlement

No TPA involvement in processing your claim

Paperless Reimbursement

No paper, no hassle. Get online reimbursements

Your everyday health partner

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your everyday health partner-compressed

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Hassle-free claims

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Hassle-free claims
Get admitted

Visit us at one of our hospitals

Use your health card

Identify yourself with your MaxBupa health card

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After validation your request will be sent directly to us

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Claim Settled

In as less as 30 minutes!