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Zuno Saral Suraksha Bima Health Insurance

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Zuno Health Insurance
Saral Suraksha Bima
Cashless Approval TAT30 mins Cashless Claim Processing
Claim Settlement Ratio94%
Network Hospitals5,000+
PED Waiting Period3 years
Special BenefitsCash Advance for Reimbursement Claims
Starting Premium for 5 lac SIRs. 548/month

About Zuno Saral Suraksha Bima Health Insurance

Saral Suraksha Bima offered by Edelweiss General Insurance is a personal accident policy that will look after your family as well as finances in the misfortunate event of an accident. You can buy the policy for a wide range of sum insured options ranging between Rs. 2.5 Lakh and Rs. 1 crore, in multiples of Rs. 50,000. Since the policy offers cover only for accidents, therefore there is no waiting period applicable for the same. So, the good news is that you can enjoy coverage right from the date of purchase of the policy. The policy is valid only for a single year. However, the policy can be renewed after that. You can renew your Saral Suraksha Bima Policy except on grounds of fraud or misinterpretation by you, as an insured.

Saral Suraksha Bima offers cover for permanent total disablement, accidental death, and permanent partial disablement. Saral Suraksha Bima comes with optional covers to enhance cover or simply increase the sum insured amount at the time of policy renewal. These include temporary total disablement, accidental hospitalisation costs, and education grant. Also, for every claim-free year, you will also get a cumulative bonus that translates to a higher sum insured.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Accidental death is covered under this insurance plan
  • Permanent total disablement due to accident is covered under this insurance plan
  • Permanent partial disablement due to an accident is covered under this insurance plan
  • Education grant is covered under this insurance plan
  • Hospitalisation expenses due to an accident is covered under this insurance plan

What's Not Included

  • Any claim for death or disablement directly/indirectly due to war, etc.
  • Any claim for death or disablement from intentional self-injury
  • Any claim for death or disablement due to ionizing radiation or contamination from radioactivity
  • Any claim arising due to illegal act/violation/attempted violation of law
  • Dietary supplements that can be bought without prescription

6208 Zuno Cashless Network Hospitals in India

Saral Suraksha Bima User Reviews

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What users are saying
  • All
  • Coverage for Critical Illnesse...

    I appreciate that InsuranceDekho's Zuno- Saral Suraksha Bima covers critical illnesses, providing an added layer of protection for unexpected medical conditions for my parents.

    D
    By Devanshi Vishkarma
    On: Jul 21, 2023
  • Online Paperwork

    I bought the Zuno- Saral Suraksha Bima from InsuranceDekho. I had a great time purchasing a plan with this amazing online platform. All the documentation and paperwork were done online by the company. Even the flexible payment options made my purchase much smoother. Hats off to the entire team of InsuranceDekho for providing an amazing customer experience. 

    N
    By Naina Datta
    On: Jun 14, 2023

Claim Process at Zuno Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate 72 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate 72 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Saral Suraksha Bima Health Insurance Plan

  • Is there any waiting period under the Saral Suraksha Bima Policy?

    Waiting period is not applicable under the Saral Suraksha Bima Policy.  

  • What is the payment basis for the Saral Suraksha Bima Policy offered by Edelweiss General Insurance?

    The claims paid under Saral Suraksha Bima Policy offered by Edelweiss General Insurance covers “temporary total disablement benefit” and “education grant” are on benefit basis, whereas for optional cover “hospitalisation expenses due to accident” is paid on indemnity basis, either cashless or reimbursement. 

  • Until when will the company settle claims under this policy?

    The insurance company will settle or reject claims within 30 days from the date of receipt of the last necessary document. 

  • What are the insured rights under this policy?

    As per the insured rights, the claims under this policy will be processed on reimbursement basis for the section “hospitalisation expenses due to accident”.

  • What is the education grant benefit under this policy?

    The optional cover of education grant provides you an educational grant of up to 10% of the sum insured amount. You can include this benefit at the time of purchasing the policy.

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