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Saral Suraksha Bima

Find out how this plan works for you

Plan Overview

Accidents can happen when you least expect it, and a serious injury or accidental death could have devastating financial consequences for you and your family.

The value of Human Life and Sufferings cannot be measured with money, but with a view to provide some relief to you or members of your family in the event of an unfortunate accident. Personal accident insurance can help protect your financial security until you get back on your feet and return to work.

Age Eligibility

Entry Age for 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 is covered ?

This policy covers the insured in case of

a) Death arising due to Accident.
b) Permanent Total Disablement
c) Permanent Partial Disablement

Top reasons why this plan is ideal for you

  1. Worldwide Cover

    You or your family get a worldwide cover, 24/7

  2. No Medical Examination
  3. Additional Coverages

    Various optional coverages like – Temporary Total Disablement, Hospitalisation Expenses due to Accident, Education Grant are available under single product.

  4. Flexibility

    Very Flexible and you can cover your spouse and children also.

  5. Quick Turnaround Time

    Our average turnaround time for claims settlement is within 30 working days (Subject to all required information/documentation being submitted).

  6. 30 Days for Renewal

    From the expiry date of the policy, you get 30 days grace period for renewal.

  7. Cumulative bonus

    Sum insured (excluding cumulative bonus) shall be increased by 5% in respect of each claim free policy year, provided the policy is renewed without a break subject to maximum of 50% of the sum insured.

How you benefit*?
  • You or your family get a Worldwide cover, 24/7
  • Very Flexible and you can cover your spouse and children also.
  • No medical questionnaire or medical examination.
  • You pay less for more. Family discount @ 10% in case more than one person is covered under the same policy.
  • Specialist claims service and Claims settlement within 30 working days***
  • Irrespective of the plan tenure, premiums applicable are on yearly basis
  • Grace period. You can renew your Policy within 30 days from the date of expiry of your policy

* Please see the brochure for complete details.

** Family means Self, spouse, Parents and Parents in-law, and dependent children.

*** Subject to all required documentation/information being submitted.

Exclusions of this plan

What things are not part of the plan or product under offering?

Any claim for death, disablement (whether of a permanent nature or of a temporary nature), hospitalization of Insured Person:

  • resulting from intentional self-injury unless in self-defense or to save life, suicide or attempted suicide;
  • resulting whilst under the influence of intoxicating liquor or drugs or other intoxicants
  • arising or resulting from the Insured Person committing any breach of law with criminal intent.
  • resulting due to participation as a professional in hazardous or adventure sports
  • resulting from participation in felony , riot , war etc.

Note : This is a partial list of the policy exclusions. Please refer to the policy document for the complete list of exclusions

How can you buy this Policy?

Buy your Health Insurance Plan online

Buying your Accident insurance plan online for you and your Family in simple steps.

Here are the steps to buying online:

  • Get an Online Quote

    It takes just a few minutes to generate your quote online. The sum insured is available on individual basis, each individual of a family is entitled to a sum insured you opt.
    Get your Accident Insurance quote

  • Fill in Your Proposal Form

    You need to fill in the proposal form and answer from basic questions before you can buy the policy.

  • Review Your Proposal

    Review your quote and verify you have provided correct information including your nominee name and the premium you need to pay.

  • Complete Your Purchase

    After you confirm your premium and agree to the terms & conditions, select a payment method (Credit Card/Debit Card or Net Banking) and pay securely & conveniently in easy steps and you’re done.

  • Download Your Policy

    You can download your policy schedule and print it out. A copy of the policy is also sent to the email address you have provided during the time of registration.

What happens next after I have purchased

When you become a Future Generali Customer, you will receive a policy kit containing the following:

You can expect to receive this pack within 12-15 working days of purchasing our Personal Accident insurance.


Making a Claim

At Future Generali, we will do everything to make your claim as simple and convenient. And here are few reasons why:

  • We have an in-house claim settlement process team that processes your claims within 30 days from the time we receive your claim intimation form along with the required documentation. Find out more about how to make a claim or check out our claim process.

  • In-house team of professionals who can give specialised advice.

Contact our Helpline

In case you wish to speak to our experts about your policy, you can call us on:


You ask. We answer.

I already have Life Insurance, why do I need a separate Personal Accident cover?
What is the ideal Sum for which I should insure under Saral Suraksha Bima, Future Generali India Insurance Company Limited?
Can I select amongst the different coverage options available or do I get fixed combination of covers?
Is it necessary to inform the insurance company if there is a change in my job profile / occupation after taking the policy?
I am travelling abroad, will my Saral Suraksha Bima cover me in case of any eventualities?
Can I avail Tax benefits under Saral Suraksha Bima?
What are the unique coverage options offered by Future Generali, If any?
Can my dependent wife and child of 20 years get Weekly compensation benefit?
Is terrorism or terrorist attacks covered under Saral Suraksha Bima?
How will I be covered for "Hospitalisation expenses due to accident" in Saral Suraksha Bima?
What is the age eligibility to get covered under Saral Suraksha Bima?

Individuals from age 18 years to 70 years can opt for Saral Suraksha Bima, Future Generali India Insurance Company Limited. Children from age 3 months to 25 years can opt as a dependent.

What is the maximum renewal age?
How many family members can be covered under a single proposal?
Is there any Cumulative Bonus available in this policy?

Disclaimer For complete details of Policy coverage, terms, conditions and exclusions, please refer the policy wordings. Click here to view Policy Wordings.

*Subject to Terms & Conditions and Waiting Periods given in Policy Wordings 

Product Name: Saral Suraksha Bima, Future Generali India Insurance company Limited   UIN NO:-FGIPAIP21623V012021  Launch Date:-1st April 2021