ICICI Lombard Saral Suraksha Bima

With times being tough, health care is becoming a necessity these days. There are a lot of health insurance plans available in the market, and choosing one can be confusing at times. Most of the plans include coverage for medical treatment, hospitalisation, medical services, etc. But not all of them provide you with adequate accidental coverage and affordable cost as well.

So if you are looking for a plan that will give you the accidental coverage you need, look no further than ICICI Lombard Saral Suraksha Bima!

This article will cover ICICI Lombard Saral Suraksha Bima in detail.

Accidents are unforeseen incidents that may completely change your life. Unlike infections, which may be prevented with considerable precaution and care, an unfortunate accident may well be unavoidable. What you can achieve, though, is to make sure your household is financially secure if you are involved in any such accident. This Saral Suraksha Bima by ICICI Lombard Health Insurance gives that level of protection. It's a comprehensive personal accident insurance plan that includes accidental death as well as permanent total or partial disablement of the insured.

We all know that accidents are unpredictable and crippling. It's the one thing you can't control, no matter how hard you try. However, you can make life easier for yourself by ensuring that your family's finances are secure if anything happens to you. With Saral Suraksha Bima from ICICI Lombard, you get total income security underwritten by a leading body in its category too.

The policy highlights include

1). Benefit payment in a lump amount

• Accidents may leave you, as well as your loved ones trapped. Saral Suraksha Bima by ICICI Lombard General Insurance gives out 100 per cent of the total policy sum covered in the event of the insured individual's accidental death or lifelong complete disability.

2). Amount insured up to INR 1 crores

• With growing inflation and greater living costs, it is critical to have enough coverage that financially protects your household in the case of an unforeseen incident.

3). Dependable savings management

• If an accident results in permanent complete disability, affecting your capacity to take a job, you can rely on this coverage. The reimbursement you get will assist you in protecting your money.

ICICI Lombard Saral Suraksha Bima is one of the best insurance policies that you can opt to buy for your family. When you go in for an insurance plan, it is of utmost importance that you choose a policy that has realistic coverage and is viable in front of financial emergencies. The reason why this policy is the best is that it has been designed in such a way that it offers accidental health insurance benefits to users. It happens to be one of those policies that are perfect for people who are concerned about their finances as well as the family's future health.

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The ICICI Lombard Saral Suraksha Bima offers these essential advantages:

1). 1 Crore Sum Insured

If you are in the middle of a demanding work schedule and are already settling with a few accidents that could have been avoided, then this plan is for you. The Saral Suraksha Bima plan offers up to INR 1 crore, which is higher than the other basic health insurance plans. This means that if you meet any accident with this plan, it will offer you a lump sum amount of up to INR 1 crore.

2). Tax Breaks

Saral Suraksha Bima policyholders can avoid taxes while receiving insurance coverage. Individuals who pay premiums on medical insurance plans may be eligible for tax benefits under Section 80D of the Income Tax Act, 1961. The tax advantage has a limitation of INR 25,000. The very same threshold is upped to INR 50,000 for senior citizens above the age of 60 years. If you include a senior citizen (above the age of 60 years) in your current health insurance policy, you may now claim tax breaks of up to INR 75,000. Similarly, if there are two elderly persons who have the same health insurance coverage, they would be eligible for tax reductions of up to a limit of INR 1 lakh.

3). Child Education Grant

In the present scenario, children's education is an important consideration which often fails to get the required attention. The Saral Suraksha bima plan offers children grants as an optional benefit of the insurance coverage. This helps the insured cope with the education expense of their kids following an accident or death.

4). Payout in Lumpsum

In India, several new plans and insurance programmes have been implemented. One such policy is the Saral Suraksha bima policy, which provides a lump sum payment up to the whole sum insured covered. Following an accident, this assists insured persons in covering hospitalisation costs and other medical expenses under this Saral Suraksha bima policy.

The following are the ICICI Lombard Saral Suraksha Bima coverage options:

• Death by accident
• Total disablement by accident
• Accidental partial disability

The optional coverings are as follows:

• Accident-caused temporary complete disability
• Accidental hospitalisation
• Grant for Education

Exclusions stated by the policy include:

• War-related death or disability
• Self-injury
• Radiation causing death or disability.
• Death or disability as a result of criminal activity

So these are a few of the most important benefits that ICICI Lombard Saral Suraksha Bima offers that you cannot miss. It gives coverage for accidental hospitalisation and accidental death as well. Thus, it is one of the best plans that anyone can opt-in to as this helps save a lot of money. The clear and comprehensive insurance policy ensures user-friendliness. Therefore, if you want to secure your family's future health and finances, this is surely something that you should not miss out on!