Poorna Suraksha Kawach Plan vs Mera Term Plan Plus Term Insurance Plan 2026 | PolicyX

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ABSLI Poorna Suraksha Kawach is an insurance plan with return of premium and life cover benefit. It also provides an early return of premium option to support liquidity requirements during the policy term. The plan focuses on protection plus savings. You get financial safety for your family with premium refund benefits if you survive the policy term. It also includes the critical and terminal illness coverage, helping you handle major health risks without breaking financial stability.

One of the many benefits of the plan is the ability to increase your sum insured at major life stages such as marriage, and the birth of your child.

Here are some key features of this plan:

  • Waiver of premium benefit
  • Critical illness benefit
  • Accidental and total disability
  • Decreasing term insurance
  • Tax benefits
  • Return of premium

PLAN DETAILS

Poorna Suraksha Kawach Plan

Mera Term Plan Plus

Premium Including GST
Key Features
(Key features of the plan)
  • 6 Plan option
  • Increasing or decreasing SA benefit
  • Special exit value
  • Comprehensive coverage
  • Plan enhancement options
  • Customizable plans
Plan Maturity age Maximum Maturity Age - 85 years Maximum Maturity Age - 70 years
Plan Sum Assured Base sum assured: 50 Lacs to 20 Crore. Basic Sum Assured: ₹₹5,000 per member to no limit
Plan Entry Age Minimum Age - 18 years Maximum Age - 65 years Minimum Age - 15 years Maximum Age - 65 years
Plan Payment modes Annual, half-yearly, quarterly & monthly Annual, Semi-Annual, quarterly and Monthly
Plan Policy loan The policy loan is not available under ABSLI Poorna Suruksha Kawach The policy loan is not available under PNB Metlife Mera Term Plan Plus.
Plan Sample Premium Rs 546-/ per month Rs 545-/ per month
Plan Brochure Brochure URL Brochure URL
Policy Term Minimum term - 5 years Maximum term - 55 years Minimum term - 10 years Maximum term - 99- entry age
Claim Settlement Ratio (2024-25) 98.65 99.57%
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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 ABSLI Poorna Suraksha Kawach

You can add the following riders to your ABSLI Poorna Suraksha Kawach:

ABSLI ADD (Accidental Death and Disability)

This rider offers additional protection for accidents leading to death and disability at an affordable cost.

ABSLI Critical Illness rider

This rider offers a lumpsum amount in case of diagnosing listed critical illnesses.

ABSLI Surgical Care Rider

This rider offers a lumpsum amount to cover surgical expenses.

Other Term Insurance Companies

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