Aditya Birla Poorna Suraksha Kawach Plan
  • 6 Plan Options
  • Increasing/Decreasing SA Benefit
  • One-Time Exit Value
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ABSLI Poorna Suraksha Kawach

ABSLI Poorna Suraksha Kawach is a comprehensive plan that offers the benefit of Return Of Premium and Early Return Of Premium along with the life insurance cover to secure your savings. The plan offers 6 plan options that suit the varied needs of the customers. This policy offers a high sum insured of 20 crore which is enough to cover a family or a group. A unique One-time Exit Value is available along with riders to enhance protection. It is a robust and flexible plan that is designed to meet a wide range of financial protection needs while offering additional benefits to secure your savings. Let us explore more about the plan in the later sections of this article.

Eligibility Table For ABSLI Poorna Suraksha Kawach

Sum Insured Min: 50 Lakhs
Max: 20 Crore
Plan Options Premium Paying Term Minimum Policy Term Maximum Policy Term Min & Max
Entry Age
Maximum Maturity Age Sum Assured
Plan Option
1 and 5
Single Pay 5 years 55 years 18 – 65 years 85 years Min:
Rs. 30 Lakhs
Max: No Limit,
subject to
5 Pay (PPT + 5) years 18 – 65 years
7 Pay 18 – 65 years
10 Pay 18 – 65 years
12 Pay 18 – 65 years
15 Pay 18 – 65 years
20 Pay 18 – 60 years
To age 60 18 – 54 years
Regular Pay 10 years 18 – 65 years
Plan Option  2 Single Pay 20 years 55 years 18 – 65 years 85 years Min:
Rs. 30 Lakhs
Max: No Limit,
subject to
6 Pay
8 Pay
10 Pay
Regular Pay 10 years
Plan Option 3 Single Pay 20 years 55 years 18 – 65 years 85 years Min:
Rs. 30 Lakhs
Max: No Limit,
subject to
6 Pay 18 - 64 years
8 Pay 18 - 62 years
10 Pay 18 - 60 years
Plan Option 4 5 Pay (PPT + 5) years 55 years 18 – 50 years 85 years Min:
Rs. 30 Lakhs
Max: No Limit,
subject to
7 Pay 18 – 50 years
10 Pay 18 – 50 years
12 Pay 18 – 50 years
15 Pay 18 – 50 years
20 Pay 18 – 50 years
To age 60 10 years 18 – 49 years
Regular Pay 10 years 18 – 50 years
Plan Option 6 Single Pay 11 years   18 – 65 years 85 years Min:
Rs. 30 Lakhs
Max: No Limit,
subject to
5 Pay11 years 18 – 65 years
7 Pay(PPT + 5) years55 years18 – 65 years
10 Pay18 – 65 years
12 Pay18 – 65 years
15 Pay18 – 65 years
20 Pay18 – 60 years
To Age 6018 – 54 years
Regular Pay11 years18 – 65 years

Read more specifications in the brochure.

 Key Features Of ABSLI Poorna Suraksha Kawach

The plan offers a plethora of benefits that are mentioned below:

  • The plan comes with 6 plan options offering comprehensive life insurance coverage to suit varied protection needs.
  • The plan offers a Return of Premium option along with life insurance coverage to secure their saving.
  • Waiver of Premium (WOP) on Critical Illness and TPD (Total Prememnt DIasbility) for added financial security.
  • The plan provides flexibility to avail of a 'One-time Exit Value' and get back all the premiums paid as a dependable support system in case of emergencies.
  • The plan offers Inbuilt Terminal Illness benefits.
  • Accelerated CrticalI illness Benefit option covering 42 specified critical illnesses, on payment of additional premium.

Plan Options With Their Benefits

Plan Options Benefits
Level Cover OptionSimplified protection cover to shield family and any unforeseen death of the insured.
Return Of PremiumThe policyholder can get all their premiums back at the end of the policy term along with a protection cover during the policy tenure. 
Early Return Of PremiumThe insured can get all their premium back after a chosen Retirement Age with a protection cover during the policy term.
Level Cover Plus Waiver Of Premium on CI/TPD OptionThe policyholder can get protection against death, disease and liability under the plan.
Increasing Cover OptionThe policyholder can get a dynamic protection cover that is increased by choosing a sum-assured escalation rate during the policy term. SA can be increased by 10% per annum.
Sum Assured Reduction Option The policyholder can decrease the sum assured after selecting a certain retirement age. The sum assured can be reduced up to 50% .

Benefits of ABSLI Poorana Suraksha Kawach

The plan offers the following benefits:

  1. Death Benefit

    In case of the unfortunate demise of the insured during the policy term, the plan offers a lump sum payout to the beneficiary. The death benefit paid is 105% of the Sum Assured. The plan offers death benefits in cases:

    If the policyholder is diagnosed with a Terminal Illness or Critical Illness a lumpsum benefit is paid out for further treatment.

  2. Survival Benefit

    On the survival of the policyholder, till the policy anniversary falls after the chosen retirement age, the survival benefit will be payable. This about will be equal to the Total Premiums Paid.

    Note: Survival benefit is not paid for the plan option: 1,3,4,5,6

  3. Maturity Benefit

    The plan offers a maturity benefit if the policyholder outlives the policy.

  4. Terminal Illness Benefit

    If the policyholder is diagnosed with a terminal illness the policy allows a sum of max 2 crore or 50% of SA to be paid as a lump sum benefit amount.

  5. Accelerated Critical Illness Benefit

    If the insured is diagnosed with any critical illness, the policy pays them a max amount of INR 5,00,00 or 50% of the sum assured.

  6. One Time Exit Value

    This is a feature that lets policyholder receive a lump sum equal to their total premium paid. It is available without extra cost but has a condition: you can use it after 30 policy years, excluding the last 5 years and it applies only to the base premium, not optional benefits.

  7. Rider Benefit

    The plan offers 6 rider benefits or enhanced protection and they are:

    • ABSLI Accident Death Benefit Rider Plus
    • ABSLI Critical Illness Rider
    • ABSLI Surgical Care Rider
    • ABSLI Hospital Care Rider
    • ABSLI Waiver Of Premium Rider
    • ABSLI Accidental Deah And Disability Rider

Sample Premium Rates

Plan OptionPlan Option 1Plan Option 2Plan Option 3Plan Option 4Plan Option 5Plan Option 6
Age/ PPTLevel CoverReturn Of Premium Early Return Of PremiumLevel Cover + WOPIncreasing Cover OptionSum Assured Reduction Option
Regular Pay(RP)RP10 Pay10 PayRPRP
25 Years15,10019,30054,03633,22949,80014,789
35 Years22,20030,50085,79950,39967,70021,534
45 Years38,80057,500150,36886,10898,30036,860
55 Years66,0001,15,200NA1,21,3681,36,50061,380
65 Years1,16,3003,12,200NA1,74,8241,81,9001,00,018

Terms and Conditions

The plan doesn't cover the following conditions:

  1. Suicide Cover

    The plan offers a suicide cover, after a waiting period of 12 months.

  2. Terminal Illness Benefit Exclusion

    If the terminal illness is caused directly or indirectly due to any intentional self-inflicted injury, the policy will not cover the terminal illness.

Other Term Insurance Companies


ABSLI Poorna Suraksha Kawach is a versatile insurance plan with six options, offering comprehensive life coverage, Return of Premium, and Early Return of Premium. The benefits also include survival and maturity. The plan offers a high sum insured, which is enough for a family for all-inclusive coverage. The benefits like SA's increasing and decreasing cover make this plan dynamic and easy for the policyholder to change their sum assured according to the situation. Overall we can say that it is a versatile plan that meets the financial needs of the insured at every stage of life.

ABSLI Poorna Suraksha Kawach Plan: FAQs

1. What is the grace period offered by the plan?

The plan offers a grace period of 15 days.

2. What is the maximum sum insured amount offered by the plan?

The plan offers a maximum sum insured of 20 crore.

3. What is the minimum sum insured offered by the plan?

The plan of the minimum sum insured of 50 lakh.

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Priya Singh

Written By: Priya Singh

Priya has been in the content writing industry for over 8 years. She has been religiously following the insurance sector since the start of her career which makes her an avid insurance expert. Her forte lies in health, term, and life insurance writing, along with her knowledge of the latest developments in the insurance sector.