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Life Raksha Plan vs Poorna Suraksha Plan

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Know More About Plans

ICICI Pru Life is a pure protection term insurance plan designed to provide affordable financial security for families. The plan offers life cover ranging from ₹50,000 to ₹5 lakh with tax benefits on premiums paid.

The plan is offered by ICICI Pru Life Insurance company and comes with tax benefits against the premiums that you pay. The premium payment term of the Life Raksha plan is regular pay for 5 years. It is to be noted that this plan does not come with any maturity or surrender benefits. 

Here are some benefits of this plan:

why-choose
  • 5 year regular pay
  • Affordable premiums
  • Tax benefits
  • Short term cover
  • Option to choose low sum assured

 

 

PLAN DETAILS

Life Raksha Plan


Poorna Suraksha Plan

Premium Including GST
Key Features
(Key features of the plan)
  • 18 Fund Options Available
  • 4 Plan Strategies
  • Systemic Withdrawal Option
  • Cover 36 Critical Illness
  • Avail Premium Waiver
  • Avail Fixed Premium
Plan Maturity age Maximum Maturity Age - 70 years Minimum maturity age: 28 years, Maximum Maturity Age - 75 years
Plan Sum Assured 10 times annual premium Basic Sum Assured: ₹20L to ₹2.5 Cr
Plan Entry Age Minimum Age - 18 years Maximum Age - 60 years Minimum Age - 18 years Maximum Age - 65 years
Plan Payment modes Annual, half-yearly, quarterly & monthly Yearly, Half-Yearly, and Monthly
Plan Policy loan Policy loan is not available under ICICI Life Raksha Plan The policy loan is not available under SBI Life Poorna Suraksha Plan.
Plan Sample Premium Rs 789-/ per month Rs 549-/ per month
Plan Brochure Brochure URL Brochure URL
Policy Term Minimum term - 5 years Maximum term - 5 years Minimum term - 10 years Maximum term - 30 years
Claim Settlement Ratio (2024-25) 99.33% 98.83%
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* The above sample premiums are for a 30-year-old male, nonsmoker with a sum assured of Rs 50 lakhs and a policy tenure of 25 years. You can calculate the premiums for the above term insurance plans using the PolicyX Term Insurance Calculator.

Riders

Riders Associated with SBI Poorna Suraksha Plan

You can add the following riders to your SBI Life Poorna Suraksha Plan:

SBI Life Accidental Death Benefit Rider

Accidental Death Benefits Riders provide an additional sum if the policyholder dies within 120 days of the accident.

SBI Life Accidental Total and Permanent Disability Rider

Accidental Total and Permanent Disability Riders cover the policyholder if any accident occurs that leads to the permanent disability of the policyholder.

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