Saral Suraksha Bima

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Saral Suraksha Bima

Saral Suraksha Bima

(Personal Accident)

Because Accidents Don’t Come with a Warning

You do your best to look after your family. But, are you prepared for the unexpected? An accident could leave you permanently disabled or worse! With Edelweiss, you can prepare even for the unexpected. Your personal accident policy, Saral Suraksha Bima, will look after your family and their finances if an accident puts you in harm’s way. Secure your family’s financial future with sum insured amounts that range from INR 2,50,000 to INR 1,00,00,000!

What’s Covered under Saral Suraksha Bima?

Accidents can strike at any time. If you’re involved in one, this policy will help protect you and your family members against:

Looking for More Cover?

We have what you need. You can also opt to add these add-ons covers to your insurance policy:

  • Temporary Total Disablement: Sometimes, the consequences of an accident aren’t permanent. If you’re temporarily disabled, we’ll provide you with 0.2% of your total sum assured amount for a maximum period of 100 weeks.
  • Accidental Hospitalisation Costs: Nobody likes dealing with medical bills. Dealing with hospital bills after an accident is especially difficult. This add-on will help you take care of the cost of hospitalisation expenses incurred after an accident, up to a maximum of 10% of the sum insured amount.
  • Education Grant: Every parent does their best to secure their child’s future by giving them a good education. If something were to happen to you, you might not be able to finance their education. This add-on will provide each of your children under the age of 25 with an educational grant of up to 10% of the sum insured amount.

*Please refer to the policy documents for more information

Situations that our insurance plans don't cover - View

What’s not covered

There are a few things that are out of our hands. This policy will not cover*:

  • Injuries or death caused by war, war-like situations, invasion, acts of foreign enemies, civil war, rebellions, revolutions, mutinies, military or other coups, captures, arrests or detainments
  • Intentional self-injury, suicide, or attempted suicide, except in cases of self-defence or while attempting to save a life
  • Injuries sustained or death that occurs while the insured is under the influence of drugs, alcohol or other intoxicants, except in cases where the insured is not directly responsible for the injury or accident because of the influence of intoxicants
  • Any disability or loss of life that occurs while the insured is getting into, disembarking from, or flying in an aviation balloon or aircraft, unless they are just a passenger
  • Any illegal activity that the insured commits with criminal intent
  • Claims that arise due to the insured taking part in adventure sports, including rock climbing, horse racing, scuba diving, hand gliding, sky diving, etc.
  • Claims resulting from ionisation radiation or contamination by radioactivity from nuclear fuel or waste, nuclear weapons, or nuclear, chemical or biological terrorism

If you’ve opted for the hospitalisation expenses add-on, it’s important to note that the add-on cover does not extend to*:

  • Expenses related to investigations, diagnostics and evaluation
  • The cost of dietary supplements and other substances that can be purchased without a prescription, including vitamins, minerals and organic substances, unless prescribed by a doctor as part of a hospitalisation claim or daycare procedure
  • Expenses for the treatment of accidental injuries that do not require hospitalisation
  • Expenses for domiciliary hospitalisation or out-patient department procedures
  • Treatments administered outside the geographical extent of India

*For more information on what’s covered and what’s not, please have a look at the policy documents

Some Helpful Documents

Why Edelweiss Saral Suraksha Bima?

We Make Things Easy

We’re upfront and honest about what our policy covers and what it doesn’t. You won’t be caught off guard!

Speedy Claims

Our claims team works hard to make sure your claims are settled as quickly as possible!

Premium Discounts

Avail of a variety of discounts on your Saral Suraksha Bima premium amount!

We Won't Play The Claim Game

Let Us Know You Need to Make a Claim
Get in touch with us on our
Toll free -1800 12000 /
Paid landline - 022 423 12000
within 30 days of the accident taking plus and let us know you need to make a claim. or email us at   to let us know the details of your claim.

Send Us the Documents
Fill out the claim form and submit all the necessary documents, including your identity proof and a copy of the FIR.

You can send soft copies to support@edelweissinsurance.com or send hard copies to Edelweiss General Insurance Company Limited,Health Claims Desk, 5th Floor, Tower 3, Wing-B Kohinoor City, Kirol Road, Kurla East Mumbai, Maharashtra – 400 070


Let Us Work On It
We’ll work on your claim and make the settlement within 30 days if all the documents are in order and your request is accepted.

Of course, if you still need us to answer any queries, you can get in touch with us at
support@edelweissinsurance.com and we’ll reply soon.

To view rate chart please click on Saral Suraksha Bima

Of course, if you still need us to answer any queries, you can get in touch with us at and we’ll reply ASAP.

Saral Suraksha Bima FAQs