Saral Suraksha Bima, Star Health And Allied Insurance Co Ltd

What is a Saral Suraksha Bima Policy? 

Saral Suraksha Bima Policy is an advantageous policy, which offers for payment of compensation after the accidents sustained by the Insured Person at the time of the policy period. Saral Suraksha Bima Star Health  has many features that are oriented to the accidents.      

Exclusions of Saral Suraksha Bima Policy  

Though the Saral Suraksha Bima Policy has many features, it also has some exclusions. Let's see some of the exclusions of Saral Suraksha Bima Policy :  

• The Company shall not be liable to make any payments below this policy with respect to any claim for death or disablement.  
• The Coverage for any claim for death, disablement, or hospitalization of the Insured Person because of the participation as a professional in hazardous or adventure sports, including but not limited to para jumping, motor racing, horse racing or scuba diving, rock climbing,  deep-sea diving, mountaineering, rafting,  hand gliding, sky diving will not be included. 
• Any claim due to any consequential loss directly or indirectly arising from any loss arising out of the Insured Person's attempted or actual commission of or willful participation in any violation or an illegal act or attempted violation of the law will not be covered.  
• Also, the expenses related to any admission, basically for diagnostics and evaluation purposes, are excluded.  
• Expenses for any diagnosis which are not related or not incidental to the
• current diagnosis and treatment will not be covered.

How do you claim the Saral Suraksha Bima Policy? 

There are a few steps to claim Saral Suraksha Bima Star Health. Here are the steps to claim Coverage under the Saral Suraksha Bima policy.  

• Gather Documents all the original documents and pay all hospital bills once you get discharged from the hospital. 
• Just download and complete filling out the claim form. 
• Submit the necessary documents to the nearest branch of the insurance company.  
• Next, wait for claim settlement from the insurance company, as it may settle or reject the claim within a particular time frame.  

Documents Needed For the Saral Suraksha Bima Star Health  

Some documents are needed to claim coverage under the Saral Suraksha Bima. The documents you might need in the claim process include :  

• A completed claim form. 
• A Photo ID of the insured person. 
• A Copy of the Medico-Legal Certificate
• The Copy of FIR, Police Inquest Report or Panchnama. 
• A proper certificate from the attending Doctor. 
• A proper original discharge certificate or card must be obtained from the hospital or Doctor. 
• Original investigation test reports
• Indoor case papers.

Claim Notification 

• You need to notify the insurance company before 30 days of an event that might result in a claim. 
• If you must be hospitalized for an emergency treatment, you need to inform the insurance company within 24 hours. 

Claim Process 
 

The insurance company will look at the claim and might enquire for extra documents.