Get back on your feet after an accident
What is Saral Suraksha Bima?
Life is a mix of ups and downs. And unfortunately, accidents are a part of it. Accidents can leave you and your family in shock and sometimes in financial burden. But with Generali Central’s Saral Suraksha Bima, you won’t have to worry about your financial future.
Our policy offers comprehensive cover against death or disability due to accidents.
Why buy Saral Suraksha Bima
Worldwide Cover
Get 24x7 coverage against accidents in any corner of the world.
Cumulative bonus
Get 5% extra cover up to 50% with every renewal, provided you didn’t make a claim in the previous policy period.
Quick Turnaround Time
We settle all your claims within 30 working days.
30 Days for Renewal
Get a 30-day grace period after every end of policy term for renewal.
Flexibility
Customise the plan according to your needs and the number of family members you have.
No Medical Examination
There is no medical examination required.
What is in it for you?
THERE ARE ADDITIONAL BENEFITS FOR YOU!
Family discount @ 10% in case more than one person is covered under the same policy.- No medical questionnaire or medical examination.
- Specialist claims service and claims settlement within 30 working days***
- Irrespective of the plan tenure, premiums applicable are on yearly basis
- You can renew your policy within 30 days from the date of expiry of your policy
What is covered?
INCLUSIONS
Death arising due to Accident
In the unfortunate scenario of loss of life, our policy will offer the insured amount to your family.
Permanent Total Disablement
Our insurance will cover you for the insured amount, if you are no longer able to work due to an accident-related injury.
Permanent Partial Disablement
We’ll offer you the promised amount if you can’t work at full capacity due to an injury caused by an accident.
What is not covered?
EXCLUSIONS
Intentional self-injury unless in self-defense or to save life, suicide or attempted suicide
Under the influence of intoxicating liquor or drugs or other intoxicants
Death or disablement arising or resulting from the Insured Person committing any breach of law with criminal intent
Due to participation as a professional in hazardous or adventure sports
Participation in felony, riot, war etc.
Know the plan:
Eligibility
Adults: 18 years to 70 years with renewability up to 70 years.
Children: 3 months to 25 years can be covered as dependents.
Sum Insured Eligibility
Maximum Sum Insured offered is 144 times the monthly income.
There is a single sum insured for the Base covers (Accidental death, Permanent total disability and Permanent Partial Disability).
What Generali Central Health Insurance Offers
- 94%Claim Settlement Ratio
- 3 hrCashless Settlement
- 6000Cashless Hospitals
What happens after purchase?
Once you secure the insurance cover, you get a financial assurance for all your health needs. You also get documents for your better understanding and convenience.
Policy Schedule
You will receive the policy schedule. It is an outline of the cover which is provided by the purchased policy. Details of the policyholder, coverage amount, additional clauses, exclusions, warranties etc will be given in this policy.
Premium Receipt
You will receive the receipt of the premium amount you have paid to purchase this policy.
Policy coverage and Terms & Conditions
This is a comprehensive document which lists down the coverage offered by the policy along with terms and conditions. It is better to read this thoroughly and highlight important points. In case of any discrepancy or doubt, do get in touch with us immediately.
Claim Form
You can either intimate your claim online or submit the form to a branch of your choice. You can also email the claim details to us.
Complaint/Feedback Form
Should you have any complaints/feedback, you can fill in the form and submit it to the nearest branch or email us.
Grievance Redressal
In case you aren’t satisfied with the resolution provided by us to your complaint, then you can approach the Insurance Ombudsman. This form will have details about the procedure to approach the insurance ombudsman along with the addresses of the ombudsman.
What is the reimbursement claim process?
Our claim settlement process is fast and relaible
Collate Documents
Upon discharge, pay all hospital bills and collect all original documents of treatment undergone and expenses incurred
Claim Form
Download and fill the GCI health claim form
Claim Settlement
We will settle the claim in subject to policy terms and conditions
What is cashless claim process?
File your claim in minutes with Generali Central’s easy four-step claim process
Visit Hospital
Approach an insurance desk of your nearest GCI Network Hospitals and show your health card for Cashless Treatment
Verify Yourself
The Network Hospital will verify your identity and submit duly filled pre-authorization form with Generali Central
Get Admitted
You get admitted without any deposit and get cashless treatment
Peace of Mind
Once you are discharged, the hospital will send your claim documents to GCI and the authorized amount will be settled directly with the hospital
FAQs – Frequently asked questions
Yes, for every continuous and claim free year, 5% increase in the Base Sum Insured will be available, provided the policy is renewed without a break subject to maximum of 50% of the sum insured.
This depends on your risk perception and cover under Saral Suraksha Bima is made available based on your current income. Base cover is given up to 144 x (times) your monthly income.
Self, spouse, Parents and Parents in-law, and dependent children can be covered in a single Saral Suraksha Bima policy.
Yes this must be informed to the insurance company in writing within 30 days of the change by filling a fresh Proposal Form. If not disclosed within the said period, then the insurance will cease as far as the Insured Person is concerned from the date of change of Occupation.
No, weekly compensation benefit is given to earning people only however benefit up to Rs. 0.2% of base sum insured per week for 100 weeks may be allowed for your wife if she is insured as a dependent under your Saral Suraksha Bima.
You have taken a considered decision of taking a Life Insurance policy which is indeed wonderful however protection offered by Personal Accident policy is far wider in terms of coverage e.g. In personal accident policy.you may opt for Weekly compensation for Accidental Temporary Disability, Education Grant and Hospitalisation Expenses due to Accident covers.
Individuals from age 18 years to 70 years can opt for Saral Suraksha Bima, Generali Central Insurance Company Limited. Children from age 3 months to 25 years can opt as a dependent.
At Generali Central, we offer flexibility to our valued customers to select the optimum coverage as per income.
Hospitalisation expenses due to accident are paid for inpatient treatment on reimbursement basis.
Yes, the coverage under Generali Central’s policy is worldwide and 24X7 except when you are travelling to countries where Government of India has imposed travel and other restrictions. However, claims, if any, will be paid in Indian currency only.
Nuclear, chemical and biological terrorism is not covered under Saral Suraksha Bima.
Apart from base covers viz. Accidental death, Permanent Total disability, Permanent Partial disability; Generali Central offers optional covers like and Temporary Total Disability, Education Grant and Hospitalisation Expenses due to Accident benefit to choose from.
Maximum renewal age up to 70 years.
Tax benefits are not available under Saral Suraksha Bima.
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PRODUCT NAME: Saral Suraksha Bima, Generali Central Insurance Company Limited (Co. Ltd.) | UIN NO: GCIPAIP21623V012021 | LAUNCH DATE: 1ST APRIL 2021
