{"uin":"GCIPAIP21623V012021","name":"Saral Suraksha Bima, Generali Central Insurance Company Limited.","url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021","insurer":{"slug":"generali-central-insurance","name":"Generali Central Insurance Company Limited","url":"https://indiainsurances.com/insurer/generali-central-insurance"},"line":"health","category":"personal-accident","category_name":"Personal accident","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Saral Suraksha Bima is a personal accident policy with accidental death, permanent total disablement and permanent partial disablement as base covers. It runs for 1 year, offers sum insured from Rs.2.5 lakhs to Rs.1 Crore in Rs 50,000 multiples, and has optional temporary total disablement, accident hospitalisation expenses and education grant covers.","analysis":{"state":"machine","analysed_at":"2026-10-19 19:58:19.249433+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"One policy year.","display":"one policy year","note":null,"quote":"Policy period means period of one policy year for which the Policy is issued.","sources":[{"clause":"3.28","heading":"Policy period","page":3,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-3-28"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Intimation about an event that may give rise to a claim must be given within 30 days of its happening. If emergency hospitalisation is required, the company must be informed within 24 hours of admission, and claims must be submitted not later than one month after completion of treatment or transportation of mortal remains/burial in death cases.","display":"Within 30 days of the event; emergency hospitalisation within 24 hours of admission; claim submission within one month after treatment completion or transportation of mortal remains/burial","note":"The policy says the company will examine and relax the time limit depending on the merits of the case.","quote":"Intimation about an event or occurrence that may give rise to a claim under this policy must be given within 30 days of its happening. ... Claims for insurance benefits must be submitted to the Company not later than one (1) month after the completion of the treatment or after transportation of the mortal remains/ burial in the event of Death. ... If any treatment for which a claim may be made is to be taken and that treatment requires Hospitalisation in an Emergency, the company shall be informed within 24 hours of the admission of the insured person in Hospital.","sources":[{"clause":"7.19(i)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-7-19-i"},{"clause":"7.19(ii)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-7-19-ii"},{"clause":"7.19(iii)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-7-19-iii"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly completed claim form in original.","Photo Identity Proof of the insured person","Copy of FIR/ Panchnama /Police Inquest Report (wherever these reports are required as per the circumstance of the Accident) duly attested by the concerned Police Station","Copy of Medico Legal Certificate (wherever it is required as per the circumstance of the Accident) duly attested by the concerned Hospital","Duly completed CKYC Form or 16 digit CKYC no.","NEFT details of Insured. (NEFT details of Nominee in case of Death)","Any other relevant document required by the Company for assessment of the claim"],"display":"Basic documents include claim form, photo ID, FIR/Panchnama/Police Inquest Report if required, Medico Legal Certificate if required, CKYC, NEFT details, and any other relevant document required for assessment","note":"The policy also lists additional documents by claim type for death, PTD/PPD, TTD, accident hospitalisation expenses and education grant.","quote":"i. Duly completed claim form in original.\nii. Photo Identity Proof of the insured person\niii. Copy of FIR/ Panchnama /Police Inquest Report (wherever these reports are required as per the circumstance of the Accident) duly attested by the concerned Police Station ... iv) Copy of Medico Legal Certificate (wherever it is required as per the circumstance of the Accident) duly attested by the concerned Hospital ... v) Duly completed CKYC Form or 16 digit CKYC no. ... vi) NEFT details of Insured. (NEFT details of Nominee in case of Death) ... vii) Any other relevant document required by the Company for assessment of the claim","sources":[{"clause":"7.19(iii)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-7-19-iii"},{"clause":"7.19(iv)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-7-19-iv"},{"clause":"7.19(v)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-7-19-v"},{"clause":"7.19(vi)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-7-19-vi"},{"clause":"7.19(vii)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-7-19-vii"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The company shall settle or reject a claim within 15 days from receipt of the last necessary document. If investigation is warranted, it must complete investigation not later than 30 days from receipt of the last necessary document and settle or reject within 45 days from that date; delayed payment carries interest at 2% above the bank rate.","display":"15 days from last necessary document; investigation cases within 45 days, with investigation completed within 30 days; delay interest 2% above bank rate","note":null,"quote":"i. The Company shall settle or reject a claim, as the case may be, within 15 days from the date of receipt of last necessary document.\nii. In case of delay in the payment of a claim, the Company shall be liable to pay interest to the policyholder from the date of receipt of last necessary document to the date of payment of claim at a rate 2% above the bank rate.\niii. However, where the circumstances of a claim warrant an investigation in the opinion of the Company, it shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document. In such cases, the Company shall settle or reject the claim within 45 days from the date of receipt of last necessary document.","sources":[{"clause":null,"heading":"7.2.2.7. Claim Settlement","page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-7-2-2-7-claim-settlement"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Breach of law: (Code- Excl10)","Any claim for death or disablement (whether of a permanent nature or of a temporary nature), hospitalisation of the insured person, directly or indirectly due to War","from intentional self-injury unless in self-defense or to save life, suicide or attempted suicide;","whilst under the influence of intoxicating liquor or drugs or other intoxicants","whilst engaging in aviation or ballooning","participation as a professional in hazardous or adventure sports","Ionizing radiation or contamination by radioactivity","Nuclear weapons material","Nuclear, chemical and biological terrorism","Any loss arising out of the Insured Person's actual or attempted commission of or willful participation in an illegal act","Investigation & Evaluation (Code- Excl04)","Dietary supplements and substances that can be purchased without prescription","Expenses incurred for treatment of accidental injuries which does not warrant hospitalization.","Any expenses incurred on Domiciliary Hospitalization and OPD treatment.","Treatment taken outside the geographical limits of India."],"display":"Main exclusions include breach of law, war, self-injury or suicide, intoxication, aviation or ballooning, professional hazardous/adventure sports, nuclear/radiation risks, illegal acts, investigation and evaluation, non-prescription dietary supplements, non-hospitalised accidental injury treatment, domiciliary/OPD treatment and treatment outside India","note":"The last three listed exclusions apply to the optional cover “Hospitalisation Expenses due to Accident”.","quote":"a) Breach of law: (Code- Excl10) Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. ... i) Any claim for death or disablement (whether of a permanent nature or of a temporary nature), hospitalisation of the insured person, directly or indirectly due to War ... a) from intentional self-injury unless in self-defense or to save life, suicide or attempted suicide; ... b) whilst under the influence of intoxicating liquor or drugs or other intoxicants ... c) whilst engaging in aviation or ballooning ... due to participation as a professional in hazardous or adventure sports ... a) Ionizing radiation or contamination by radioactivity ... b) Nuclear weapons material ... d) Nuclear, chemical and biological terrorism ... Any loss arising out of the Insured Person's actual or attempted commission of or willful participation in an illegal act ... i) Investigation & Evaluation (Code- Excl04) ... ii. Dietary supplements and substances that can be purchased without prescription ... I) Expenses incurred for treatment of accidental injuries which does not warrant hospitalization. II) Any expenses incurred on Domiciliary Hospitalization and OPD treatment. III) Treatment taken outside the geographical limits of India.","sources":[{"clause":"6(a)","heading":"Breach of law","page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-6-a"},{"clause":"6(a)(i)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-6-a-i"},{"clause":"6(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-6-a-2"},{"clause":"6(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-6-b"},{"clause":"6(c)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-6-c"},{"clause":"6(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-6-a-3"},{"clause":"6(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-6-b-2"},{"clause":"6(d)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-6-d"},{"clause":"6.1","heading":"Exclusions specific to section 4.2 (b) “Hospitalisation Expenses due to Accident”","page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-6-1"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For a grievance, the insured may contact the company by website, toll-free numbers, email or courier to the Grievance Redressal Cell, or approach a branch grievance cell. If not satisfied, the insured may contact the grievance officer at GCIGRO@generalicentral.com or 7900197777 before approaching the Insurance Ombudsman.","display":"Contact the company or branch grievance cell first; if not satisfied, contact the grievance officer at GCIGRO@generalicentral.com or 7900197777","note":null,"quote":"In case of any grievance the insured person may contact the company through Website: https://generalicentralinsurance.com Toll Free: 1800-220-233 / 1860-500-3333 / 022-67837800 Email: GCIcare@generalicentral.com Courier: Grievance Redressal Cell, Generali Central Insurance Company Ltd. Unit No. 301, 3rd Floor Part, Building No. 8, Mindspace IT/ITES SEZ, MIDC Industrial Area, Airavali, Navi Mumbai, Thane District – 400 708.\nInsured person may also approach the grievance cell at any of the company's branches with the details of grievance.\nlf lnsured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at GCIGRO@generalicentral.com or call at: 7900197777","sources":[{"clause":"7.9","heading":"Redressal of Grievance","page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-7-9"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"Minimum sum insured is Rs.2.5 lakhs and maximum sum insured is Rs.1 Crore, offered in multiples of Rs 50,000/-. It is subject to monthly income commensuration and the maximum sum insured offered is 144 times monthly income.","display":"Rs.2.5 lakhs to Rs.1 Crore, in multiples of Rs 50,000/-; maximum 144 times monthly income","note":"Prospectus also gives lower limits for non-working spouse, dependent children, unemployed/students and non-working parents/parents-in-law.","quote":"1. Minimum sum insured shall be Rs.2.5 lakhs and maximum sum insured shall be Rs.1 Crore. Sum insured offered shall be in multiples of Rs 50,000/-.\n2. The sum insured is based on the monthly income commensuration.\n3. The maximum sum insured that can be offered is 144 times of monthly income.","sources":[{"clause":"9","heading":"Sum Insured A. Base Covers","page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5804#c-9"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"not-applicable","value":null,"display":null,"note":"This is a personal accident policy covering accidental injury/death/disablement, not illness claims; the CIS marks waiting period as not applicable.","quote":null,"sources":[],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"not-applicable","value":null,"display":null,"note":"This personal accident policy does not provide general disease cover to which a pre-existing disease waiting period would apply.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"not-applicable","value":null,"display":null,"note":"This personal accident policy does not cover named illnesses/procedures subject to a specific illness waiting period.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"not-applicable","value":null,"display":null,"note":"There is no specific illness waiting-period list because the product covers accidents rather than illnesses/procedures.","quote":null,"sources":[],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"Printed in the Customer Information Sheet.","quote":"Moratorium Period- After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as moratorium period.","sources":[{"clause":"Row 5(c)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5801#c-row-5-c"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"When the policy is due for renewal, the policyholder may migrate to another policy with the insurer or port the policy with another insurer. The documents do not state separate waiting-period credit details for portability.","display":"May port to another insurer at renewal","note":"Waiting periods are not applicable to this personal accident product.","quote":"Migration & Portability: When your policy is due for renewal, you may migrate to another policy with us or port your policy with other Insurer.","sources":[{"clause":"Row 5(c)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5801#c-row-5-c"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":false,"display":"No, renewability will be up to 70 years","note":null,"quote":"Renewal | Renewability will be up to 70 years","sources":[{"clause":"8","heading":"Acceptance Limits","page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5804#c-8"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading shall apply on renewals based on individual claims experience.","display":"No loading on renewals based on individual claims experience","note":null,"quote":"5. No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":"7.15","heading":"Renewal of the Policy","page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-7-15"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Breach of law: (Code- Excl10)","Investigation & Evaluation (Code- Excl04)","Dietary supplements and substances that can be purchased without prescription","War (whether declared or not) and war like occurrence or invasion","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","engaging in aviation or ballooning","participation as a professional in hazardous or adventure sports","Ionizing radiation or contamination by radioactivity","Nuclear weapons material","Nuclear, chemical and biological terrorism","willful participation in an illegal act or any violation or attempted violation of the law","Any expenses incurred on Domiciliary Hospitalization and OPD treatment.","Treatment taken outside the geographical limits of India.","All expenses listed in Annexure-1 (List I) of the Policy."],"display":"Permanent exclusions include Excl10 breach of law, Excl04 investigation and evaluation, dietary supplements, war, self-injury or suicide, intoxication, aviation/ballooning, professional hazardous/adventure sports, nuclear/radiation risks, illegal acts, domiciliary/OPD treatment, treatment outside India and List I expenses","note":"Excl04, Excl14 and the hospitalisation-specific items apply to optional Hospitalisation Expenses due to Accident.","quote":"a) Breach of law: (Code- Excl10) Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. ... i) Investigation & Evaluation (Code- Excl04) ... ii. Dietary supplements and substances that can be purchased without prescription ... War (whether declared or not) and war like occurrence or invasion ... from intentional self-injury unless in self-defense or to save life, suicide or attempted suicide; ... whilst under the influence of intoxicating liquor or drugs or other intoxicants ... whilst engaging in aviation or ballooning ... participation as a professional in hazardous or adventure sports ... Ionizing radiation or contamination by radioactivity ... Nuclear weapons material ... Nuclear, chemical and biological terrorism ... willful participation in an illegal act or any violation or attempted violation of the law. ... II) Any expenses incurred on Domiciliary Hospitalization and OPD treatment. III) Treatment taken outside the geographical limits of India. IV) All expenses listed in Annexure-1 (List I) of the Policy.","sources":[{"clause":"6(a)","heading":"Breach of law","page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-6-a"},{"clause":"6(a)(i)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-6-a-i"},{"clause":"6(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-6-a-2"},{"clause":"6(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-6-b"},{"clause":"6(c)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-6-c"},{"clause":"6(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-6-a-3"},{"clause":"6(b)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-6-b-2"},{"clause":"6(d)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-6-d"},{"clause":"6.1","heading":"Exclusions specific to section 4.2 (b) “Hospitalisation Expenses due to Accident”","page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-6-1"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel by giving 7 days’ written notice. Annual-payment refunds are 75% up to one month, 50% up to three months, 25% up to six months and Nil after six months; instalment-payment refunds vary by frequency, and no refund is made where any claim has been admitted, lodged or any benefit availed.","display":"7 days’ written notice; annual refunds 75% up to one month, 50% up to three months, 25% up to six months, Nil after six months; no refund if any claim admitted/lodged/benefit availed","note":"For policies with instalment premium, the policy wording provides separate refund percentages for monthly, quarterly and half-yearly instalments.","quote":"1. The Policy holder may cancel this Policy by giving 7 days’ written notice, and in such an event, the Company shall refund premium on short term rates for the unexpired Policy Period as per the rates detailed below. ... Up to one month | 75% of annual rate\nUp to three months | 50% of annual rate\nUp to six months | 25% of annual rate\nExceeding six months | Nil ... Notwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the Insured person under the Policy.","sources":[{"clause":"7.6","heading":"Cancellation","page":9,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-7-6"},{"clause":"7.6(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-7-6-a"},{"clause":"7.6(b)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-7-6-b"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"Coverage is worldwide except the optional cover “Hospitalization expenses due to accident”, which is limited to medical treatment taken in India only.","display":"Worldwide, except optional Hospitalization expenses due to accident is India only","note":null,"quote":"The coverage is worldwide except for the optional cover “Hospitalization expenses due to accident”. The coverage of optional cover “Hospitalization expenses due to accident”, is limited to medical treatment taken in India only.","sources":[{"clause":"7.13","heading":"Territorial Limit","page":11,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-7-13"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"thirty days","note":"Applicable on the new policy and not on renewals.","quote":"1. The insured will be allowed a period of thirty days from the date of receipt of the policy to review the terms and conditions of the policy, and to return the same if not acceptable","sources":[{"clause":"7.8","heading":"Free Look Period","page":10,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-7-8"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days for renewal; instalment premiums: 15 days monthly, 30 days quarterly/half-yearly","note":"Norm uses the renewal grace period. Monthly instalment premium grace is 15 days.","quote":"At the end of the policy period, the policy shall terminate and can be renewed within the Grace period of 30 days to maintain continuity of benefits without break in policy. ... Grace Period of 15 days would be given to pay in case of monthly instalment premium and grace period of 30 days shall be given to pay in case of quarterly / Half Yearly installment premiums, due for the policy.","sources":[{"clause":"7.15","heading":"Renewal of the Policy","page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-7-15"},{"clause":"7.18(i)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-7-18-i"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Minimum age at entry is 3 months for a child and 18 years for adults. Maximum age at entry is 25 years for a child and 70 years for adults.","display":"Minimum: 3 months child, 18 years adults; maximum: 25 years child, 70 years adults","note":null,"quote":"Minimum Age at entry | 3 months (for child) 18 years (for adults)\nMaximum Age at entry | 25 years (for child) 70 years (for adults)","sources":[{"clause":"8","heading":"Acceptance Limits","page":14,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5804#c-8"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Annual basis","Half Yearly","Quarterly","Monthly"],"display":"Annual, Half Yearly, Quarterly or Monthly","note":null,"quote":"In case of policy with premium payment on Annual basis ... lf the insured person has opted for Payment of Premium on an instalment basis i.e. Half Yearly, Quarterly or Monthly, as mentioned in the policy Schedule/Certificate of insurance","sources":[{"clause":"7.6(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-7-6-a"},{"clause":"7.18","heading":"Premium Payment in Instalments","page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-7-18"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Temporary Total Disablement","Hospitalisation Expenses due to Accident","Education Grant"],"display":"Temporary Total Disablement; Hospitalisation Expenses due to Accident; Education Grant","note":null,"quote":"Optional Covers: The covers listed below are optional benefits and shall be available to Insured Persons in accordance with the terms set out in the Policy, if the listed cover is opted. ... a) Temporary Total Disablement: ... b) Hospitalisation Expenses due to Accident: ... c) Education Grant:","sources":[{"clause":"4.2","heading":"Optional Covers","page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-4-2"},{"clause":"4.2(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-4-2-a"},{"clause":"4.2(b)","heading":"Hospitalisation Expenses due to Accident","page":6,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-4-2-b"},{"clause":"4.2(c)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-4-2-c"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available during the grace period.","display":"Coverage is not available during the grace period","note":null,"quote":"Coverage is not available during the grace period.","sources":[{"clause":"7.15","heading":"Renewal of the Policy","page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800#c-7-15"}],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"permanent_total_disability","label":"Permanent total disability","section":"Cover","meaning":"What is paid for permanent total disability.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"permanent_partial_disability","label":"Permanent partial disability","section":"Cover","meaning":"The table of payouts for losing a limb, eye, hearing...","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"temporary_total_disability","label":"Temporary total disability","section":"Cover","meaning":"Weekly income paid while you cannot work after an accident.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"accident_medical","label":"Accident medical expenses","section":"Cover","meaning":"Treatment costs after an accident.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Saral Suraksha Bima, Generali Central Insurance Company Limited. Policy Wordings","pages":20,"fetched_at":"2026-10-17 19:33:39+00","source_url":"https://www.generalicentralinsurance.com/downloads/health-insurance/saral-suraksha-bima,-generali-central-insurance-company-limited/policy-wording/saral-suraksha-bima-gci-policy-wordings.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5800"},{"kind":"prospectus","label":"Saral Suraksha Bima, Generali Central Insurance Company Limited. Prospectus Form","pages":22,"fetched_at":"2026-10-17 19:33:43+00","source_url":"https://www.generalicentralinsurance.com/downloads/health-insurance/saral-suraksha-bima,-generali-central-insurance-company-limited/prospectus-forms/saral-suraksha-bima-gci-prospectus.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5804"},{"kind":"cis","label":"Saral Suraksha Bima, Generali Central Insurance Company Limited. Customer Information Sheet","pages":6,"fetched_at":"2026-10-17 19:33:44+00","source_url":"https://www.generalicentralinsurance.com/downloads/health-insurance/saral-suraksha-bima,-generali-central-insurance-company-limited/customer-information-sheet/saral-suraksha-bima-static-cis.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5801"},{"kind":"brochure","label":"Saral Suraksha Bima, Generali Central Insurance Company Limited. Product Brochure","pages":8,"fetched_at":"2026-10-17 19:33:33+00","source_url":"https://www.generalicentralinsurance.com/downloads/health-insurance/saral-suraksha-bima,-generali-central-insurance-company-limited/product-brochures/saral-suraksha-bima-brochure.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021/document/5805"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Generali Central Insurance official website","url":"https://www.generalicentralinsurance.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Motor claim process","url":"https://www.generalicentralinsurance.com/motor-insurance/motor-claim-process","note":null},{"purpose":"claim","kind":"insurer","name":"Other claim process","url":"https://www.generalicentralinsurance.com/other-claim-process","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.generalicentralinsurance.com/customer-service/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renewals","url":"https://www.generalicentralinsurance.com/renewals","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Saral Suraksha Bima, Generali Central Insurance Company Limited. (UIN GCIPAIP21623V012021), IndiaInsurances, https://indiainsurances.com/policy/generali-central-insurance/saral-suraksha-bima-generali-central-insurance-company-limited-gcipaip21623v012021"}