Suraksha Student Insurance

“Suraksha” is a free Insurance Scheme offered by the Sri Lankan Government for all students studying in Sri Lankan Government Schools, Government approved Private School, “Special Needed” Schools and Piriven Schools, which covers Medical Expenses, Personal Accident, and Compensation for the Death of Parents.

Suraksha insurance is available for students enrolled in the following institutions:

• Government schools

• Government-approved private schools

• Piriven schools

• Special needs schools

• 05 Y to 21 Y Students who are attending to Government Schools, Government approved Private School and Piriven.
• 04 Y to 21 Y Students studying in “Special Needed” Schools.

1. Health Coverage

   • Outpatient medical expenses: Up to Rs. 20,000
   • Private hospital expenses: Up to Rs. 300,000
   • Critical illness treatments: Up to Rs. 1,500,000

2. Accident Coverage

   • Permanent total disability: Up to Rs. 200,000
   • Partial permanent disability: Up to Rs. 100,000
   • Temporary disability: Up to Rs. 100,000

3. Life Coverage

   In the unfortunate event of a parent’s or guardian’s passing: Rs. 75,000 per child, a maximum of three children per family can claim this benefit

4. Critical Illness Coverage: Up to Rs. 1,500,000

   Students diagnosed with any of the following illnesses or undergoing the specified medical procedures are eligible for financial assistance of up to Rs. 1.5 million.

   • Heart Surgery
   • Brain Surgery
   • Cancer Treatment
   • Kidney Transplant
   • Liver Transplant
   • Eye Surgery
   • Cochlear Implantation Surgery & Hearing Accessories
   • Dialysis Treatment
   • Bone Marrow Transplant
   • Spinal Cord compression Treatment
   • Hip, Shoulder & Knee Replacement
   • Scoliosis Treatment
   • Thalassemia Treatment
   • Japanese Encephalitis Treatment
   • Artificial Limbs Replacement

   (For critical illness benefits, prior approval from the relevant hospital is required before undergoing treatment or surgery.)

   For complete details about Suraksha Student Insurance visit,

   Visit 

• Confirm Eligibility
  Present your student ID, Suraksha Insurance Card, or a letter from the school principal.

• Visit Our Reception or OPD Desk
  Inform staff that you’re using Suraksha benefits—no additional admission fee applies.

• Receive Treatment

  • Inpatient Charges: Capped daily room charge; excess may be covered.

  • Lab, Radiology, and Surgical Services: Discounted rates as per government negotiation.

• Claim Submission Support
  If required, we’ll assist in helping you submit the claim form along with principal certification.

• Partnered with government initiative to offer hassle-free care

• Skilled medical, lab, and diagnostic support

• Transparent billing with Suraksha rate implementation