How much can I claim from Suraksha for a hospital stay?

In a government hospital, Suraksha pays a daily cash benefit of Rs 1,000 per day. In a private hospital the room charge is reimbursed up to Rs 12,500 per day. Either way, total hospitalisation benefit is capped at Rs 300,000 per policy year.

What does Suraksha student insurance cover?

Suraksha covers hospitalisation, special OPD expenses (up to Rs 20,000/yr), critical illness and surgery (up to Rs 1,500,000/yr), personal accident and disability, and a payment on the death of a parent or guardian. It is free for every child in a government or government-approved school.

How much does Suraksha pay per day in a government hospital?

Rs 1,000 per day of hospitalisation, subject to the annual hospitalisation ceiling of Rs 300,000. So a 20-day stay pays Rs 20,000, while a stay of 300 days or more reaches the annual cap.

Is surgery or critical illness covered, and up to how much?

Yes. Critical illness and surgery are covered up to Rs 1,500,000 per policy year under the SLIC schedule. Submit the specialist diagnosis report and the original hospital and surgical bills through your school with the signed claim form.

How do I claim Suraksha insurance if a parent dies?

The scheme pays Rs 75,000 per deceased parent or guardian — but only for students from families earning under Rs 180,000 a year or receiving Aswesuma. You submit the death certificate, a Grama Niladhari income certificate or Aswesuma letter, and the claim form signed by the principal.

What does Suraksha pay for a permanent disability from an accident?

The Ministry of Education schedule pays a fixed benefit by disability grade: Rs 200,000 for total permanent disability, Rs 150,000 for partial permanent disability, and Rs 25,000–Rs 100,000 for temporary incapacity. Base personal-accident cover is Rs 200,000.

Who is eligible for Suraksha, and does my child have to enrol?

Every student aged 5–21 (from age 4 for special-needs students) in a government school, government-approved private school, Pirivena or special-needs school is automatically covered. There is no enrolment and no premium for the family — the Ministry of Education funds the scheme.

Which policy year is active and where do I submit the claim?

The current SLIC schedule covers 1 July 2026 – 30 June 2027. Claims are filed through the school: the principal completes and signs the claim form, and it goes to Sri Lanka Insurance Corporation with the supporting documents. This tool does not submit anything — it only shows the amount and the paperwork.

Does a private-hospital claim reimburse the full room charge?

Only up to Rs 12,500 per day. If your ward costs more than that per day, the excess is not covered, and the total is still capped at Rs 300,000 for the year. A 15-day stay at Rs 10,000/day, for example, reimburses Rs 150,000.

When were these Suraksha benefit amounts last verified?

The amounts on this page were cross-checked against the SLIC Suraksha portal and the Ministry of Education coverage notice on 2026-07-16. Benefit schedules change between the scheme's coverage years, so confirm the current figure with the school or SLIC before you file.

Sri Lanka · Finance

Sri Lanka Suraksha Student Insurance Benefit Calculator

Work out the exact rupee amount a school child can claim under the free Suraksha (Sisu Suraksha) student insurance scheme — for a hospital stay, surgery, an accident, or the death of a parent — and see the documents and deadline to file. Uses the official SLIC and Ministry of Education schedule.

By Induwara Ashinsana— Executive Director, Ryzera TechnologiesUpdated Jul 16, 2026

Suraksha benefit calculator1 July 2026 – 30 June 2027

SLIC / MOE schedule

Claim type

Hospital type

Number of hospitalised days

days

Whole days in hospital, 1–365. Government stays pay Rs 1,000/day.

Eligible payout

Rs 5,000

5 × Rs 1,000 = Rs 5,000

Cap status

Within the limit

Breakdown

Daily benefit (government hospital): Rs 1,000/day
Hospitalised days: 5
Gross daily benefit: Rs 5,000
Annual hospitalisation cap: Rs 300,000

Documents to submit through the school

Suraksha claim form, completed and signed by the school principal
Copy of the student's birth certificate
Original hospital bills and the Bed Head Ticket (BHT) / discharge summary
Diagnosis card or doctor's report

Amounts fromSLIC Surakshaand theMinistry of Educationcoverage notice. Verify current figures before filing.

How it works

Suraksha is a free student insurance scheme funded by the Ministry of Education and underwritten by Sri Lanka Insurance Corporation (SLIC). Every child aged 5–21 (from age 4 for special-needs students) in a government school, government-approved private school, Pirivena or special-needs school is covered automatically — no enrolment, no premium paid by the family. Because every benefit is a fixed published cap, the amount you can claim is a lookup, not an estimate. This calculator applies the caps deterministically:

Government hospitalisation. min(days × Rs 1,000, Rs 300,000) — a daily cash benefit of Rs 1,000, ceilinged by the annual hospitalisation cap of Rs 300,000.
Private hospitalisation. The room charge is reimbursed up to Rs 12,500/day, then the same annual ceiling applies: min(days × min(room, Rs 12,500), Rs 300,000).
Special OPD. min(expense, Rs 20,000) per policy year.
Critical illness / surgery. min(bill, Rs 1,500,000) per policy year.
Personal accident / disability. A fixed schedule from the Ministry of Education: Rs 200,000 for total permanent disability, Rs 150,000 for partial permanent disability, and Rs 25,000–Rs 100,000 for temporary incapacity (assessed within the band). Base accident cover is Rs 200,000.
Parent / guardian death. Rs 75,000 per deceased parent, paid only for students from families earning under Rs 180,000 a year or receiving Aswesuma: Rs 75,000 × parents when the income rule is met, otherwise not eligible under this line.

Each hospitalisation payout is cross-checked with an independent day-by-day accumulator (tallying the daily benefit and clamping at the annual cap, the way an assessor totals a Bed Head Ticket) so the closed-form and step-by-step methods always agree to the rupee. The tool never adjudicates a disputed claim — it shows the schedule amount and the paperwork you file through the school.

Worked examples

Government hospital, 20 days

Payout Rs 20,000

Daily benefit: Rs 1,000/day (government hospital)
Gross: 20 × Rs 1,000 = Rs 20,000
Annual cap: Rs 300,000 — not reached
min(Rs 20,000, Rs 300,000) = Rs 20,000 → within limit

Private hospital, 30 days at Rs 15,000/day (edge case)

Payout Rs 300,000

Room Rs 15,000/day exceeds the Rs 12,500/day limit → reimburse Rs 12,500/day
Gross: 30 × Rs 12,500 = Rs 375,000
Annual cap: Rs 300,000 binds
min(Rs 375,000, Rs 300,000) = Rs 300,000 → capped at the maximum

Parent death, 2 parents, Aswesuma family

Payout Rs 150,000

Family receives Aswesuma → income rule met
Per parent: Rs 75,000
Rs 75,000 × 2 = Rs 150,000
A non-low-income family would not be eligible under this benefit line.

Frequently asked questions

Sources & references

The benefit amounts on this page were last cross-checked against the SLIC Suraksha portal and the Ministry of Education coverage notice on 2026-07-16. Schedules change between the scheme's coverage years — confirm the current figure with the school or SLIC before filing. This tool is an information reference, not medical, legal, or claim-adjudication advice.

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