Poorna Suraksha Plan
  • Cover 36 Critical Illness
  • Avail Premium Waiver
  • Avail Fixed Premium
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SBI Poorna Suraksha

SBI Life - Poorna Suraksha is an Individual, Non-Linked, Non-Participating Life Insurance, Pure Risk Premium Product with in-built Critical Illness cover. The plan is designed to provide comprehensive protection to customers with the help of lump-sum life insurance coverage and financial protection against critical illness.

There's a unique feature of the plan called the 'LifeStage Re-balancing' that optimizes the level of protection covered by rebalancing between life cover and critical illness cover. Under this feature, the sum assured amount for the life cover reduces over the term whereas that of critical illness cover increases. And the best part about all this is that the premium amount remains the same throughout the term of the policy.

This plan offers life cover to 36 critical illnesses which is helpful for the policyholders to enhance their requirements with age. SBI Poorna Suraksha plan comes with the thought of 'Reverse Parenting' i.e., a child's precious gift to their beloved parents. As they become old, it is the responsibility of children to take care of their parents and this plan is one of the best and most affordable ways to reciprocate the same. Hence, a bunch of happiness exists in this 'Suraksha' policy.

Eligibility Criteria of SBI Poorna Suraksha Policy

Age at entry

Min: 18 years
Max: 65 years

Age at maturity

Min: 28 years
Max: 75 years

Basic sum assured

Min: Rs. 20 Lakh
Max: Rs. 2.5 crores

Policy term

10, 15, 20, 25, 30 Years

Premium paying term


Benefits of SBI Poorna Suraksha Policy

SBI Poorna Suraksha Plan comes with several benefits that makes it one of the best choices for those who are looking to secure their family’s financial needs. Below mentioned are some of the significant benefits that one may avail under this plan. Take a look:

Unique 'Life-Stage Rebalancing'

This is one of the unique benefits

Coverage for 36 Critical Illnesses

The plan provides coverage against

Waiver of Premium

Another unique feature

Life Cover Benefit

In case of death of the life insured

Fixed Premium Benefit

Another useful benefit

Payout in Addition to Other Plans

This feature provides you

Tax Benefits

With this plan, the policyholder

Unique 'Life-Stage Rebalancing'

This is one of the unique benefits of the SBI Life Poorna Suraksha plan. Life stage rebalancing is a unique feature that helps in balancing the coverage between life and critical illness. The sum assured is divided in a ratio of 80:20 for life cover and critical illness cover respectively at the inception of the plan.

With every passing year, the critical illness sum assured would increase and likewise, the life cover sum assured would decrease by an equal amount. This change in sum assured would happen only on the policy anniversary. The total base sum assured (Life Cover SA + CI SA) would remain the same throughout the policy term.

The percentage of increase in the critical illness cover is mentioned in the table below:

Policy termIncrease in initial critical illness cover (per year)
Coverage for 36 Critical Illnesses

The plan provides coverage against 36 listed critical illnesses. The insured person can avail of the effective critical illness sum assured amount if they are diagnosed with any of the covered critical illnesses. To avail of this benefit, there is a waiting period of 90 days from the date of commencement under which no benefit will be provided. Also, this plan has a survival period of 14 days under which the policyholder is required to survive for at least 14 days from the date of diagnosis of the covered critical illness.

Given below is a list of 36 critical illnesses against which the plan provides coverage. Let's check them out.

  • Cancer of specified severity
  • First heart attack
  • Open heart replacement
  • Kidney failure requiring regular dialysis
  • Major organ/bone marrow transplant
  • Coronary artery bypass graft
  • Multiple Sclerosis
  • Stroke
  • Coma
  • Permanent paralysis of limbs
  • Motor neuron disease
  • Benign brain tumour
  • Blindness
  • Deafness
  • End-stage lung failure
  • End-stage liver failure
  • Loss of speech
  • Loss of limbs
  • Loss of limbs
  • Major head trauma
  • Primary (Idiopathic) Pulmonary Hypertension
  • Third-degree burns
  • Alzheimer's disease
  • Aplastic Anaemia
  • Medullary Cystic Kidney Disease
  • Parkinson's disease
  • Systemic Lupus Erythematosus
  • Apallic syndrome
  • Major surgery of the aorta
  • Brain surgery
  • Fulminant Viral Hepatitis
  • Cardiomyopathy
  • Muscular dystrophy
  • Poliomyelitis
  • Severe Rheumatoid Arthritis
  • Progressive scleroderma
  • Pneumonectomy
Waiver of Premium

Another unique feature of the plan is that it provides a waiver of premiums if diagnosed with any listed critical illness.

Life Cover Benefit

In case of death of the life insured, the sum assured on death would be paid to the nominee or legal heir, as the case may be.

Fixed Premium Benefit

Another useful benefit of this plan is that the premium amount remains the same throughout the policy term, irrespective of the increase in the policyholder's age or increase in critical illness coverage.

Payout in Addition to Other Plans

This feature provides you with the benefit of claiming the CI benefit from this policy independent of any other health insurance cover that you may have with any insurer since SBI Life pays the lump-sum benefits irrespective of the actual bill amount.

Tax Benefits

With this plan, the policyholder can avail of tax benefits under Section 80C and Section 80D of the Income Tax Act, 1961, as applicable.

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Sample Premium Illustration of SBI Poorna Suraksha Policy

For your convenience, we've created the sample premium amount of the SBI Poorna Suraksha Policy.

Please note that the data in this table highlights indicative annual premiums for Life Cover of Rs. 50 lakh for a healthy, non-smoker male.

For the Policy Term of 10 years

Age of the Insured20 years30 years40 years
Monthly Premium Payable (in Rs.)5126461,248

For the Policy Term of 20 years

Age of the Insured20 years30 years40 years
Monthly Premium Payable (in Rs.)5027811,799

For the Policy Term of 30 years

Age of the Insured20 years30 years40 years
Monthly Premium Payable (in Rs.)5651,0122,343

Exclusions of SBI Life Poorna Suraksha Plan

There are some permanent exclusions of the plan under which the policyholder will not get any coverage benefits. As a customer, you must know about these exclusions before selecting the plan. Let's have a look at these exclusions.

  • Injury or any disease caused due to invasion or war, an act of foreign enemies, martial attacks, civil war, etc.
  • Pre-existing diseases.
  • Any disease occuring due to the utilization of intoxicating substances like drugs, alcohol, smoking, etc.
  • Congenital defect or any related diseases which are revealed or diagnosed before the age of 18 years of the policyholder.
  • Any psychiatric, mental, and behavioural disorders.
  • If the policyholder attempts, or commits suicide within 1 year after the initiation date of the policy or from the renewal date of the policy, the nominee of the plan will be eligible for 80% of the paid premiums subject to the condition that the policy is active or in force.

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Explore Other SBI Term Insurance Plans

You can find other term policies offered by the SBI Term Insurance company in the section below:

SBI Life Arogya Shield

SBI Life Arogya shield is a dual protection plan that covers health along with the life insurance cover. The plan comes with affordable premiums and offers discounts also.

Unique Features

  • Dual Benefit under a single plan.
  • Cashless cover for health claims.
  • Death benefit under life cover.

A protection plan offering 3 plan options to choose from along with a Terminal Illness Benefit that allows you to enhance your protection with Riders.

Unique Features

  • Terminal illness benefits.
  • Choice of 3 plan options.
  • Life cover up to 100 years.

An Individual, Non-linked Pure Risk premium product, that offers complete protection to the family members.

Unique Features

  • Affordable premiums.
  • Flexibility in Prewmium Paying Terms.
  • Avail tax benefits.

Offers Critical illness cover and coverage for 36 Critical Illnesses with premium waiver benefit on the diagnosis of any of the covered Critical Illnesses.

Unique Features

  • 'LifeStage Re-balancing' feature.
  • Avail Critical Illness Benefits.
  • Premium Waiver Benefit.

SBI Life Smart Shield is a pure term plan that offers two options – Level Term Assurance and Increasing Term Assurance and offers additional riders for enhanced protection.

Unique Features

  • Coverage at an affordable cost.
  • Lower premiums for non-smokers.
  • Discount on larger sum assured.

A Life insurance, saving product with a return of premium. This plan provides fixed life cover throughout the term along with maturity benefits.

Unique Features

  • Maturity benefit.
  • Death benefit.
  • Flexible premium amount.

SBI Life Grameen Bima

A Life Insurance Pure Risk Premium Product. It provides a life cover with a one-time premium payment. It is an affordable plan with surrender benefits.

Unique Features

  • Death benefit available.
  • Surrender allowed after 1st year.
  • No medical examination required.

Term Insurance Articles

SBI Life Poorna Suraksha Plan: FAQs

1. Does the SBI Life Poorna Suraksha Plan offer coverage to NRIs also?

Yes, the plan offers coverage to NRIs.

2. Does the Plan provide cover for STDs?

No, the SBI Life Poorna Suraksha Plan does not provide cover for STDs.

3. Does the plan also cover the treatment costs, which are taken outside the country?

No, the plan does not cover the treatment costs outside the country.

4. Is it possible to cover maternity expenses in this plan?

No, the plan does not offer any maternity benefits.

5. Does the plan participate in profits and declare any bonus for the policy?

No, the plan is not participating and hence do not declare any bonuses or profits of the company.

6. How can I surrender my SBI Life Poorna Suraksha policy?

As per IRDAI guidelines, there is a lock-in period of five years that needs to be completed by the policyholder to receive any payout benefit. To surrender your SBI Life Poorna Suraksha policy, you should fill a Surrender Request Form and submit it to the nearest SBI Life Branch.

7. SBI Life Poorna Suraksha or SBI eShield- Which plan should I select?

SBI Life Poorna Suraksha and SBI eShield- both of these are term insurance plans but have differentiating features and benefits. The Poorna Suraksha plan offers an add on critical illness benefit and is designed to provide financial protection to the people who are more prone to get diagnosed with a critical illness. Whereas, eShield plan comes with Level Cover Benefit and Increasing Cover Benefit feature along with an accidental death rider and accidental total & permanent disability rider. As a customer, you should first carefully analyse your as well as your family's needs and then select a plan that matches your requirements.

8. Does the SBI Poorna Suraksha plan offer coverage for critical illness?

Yes, SBI Poorna Suraksha covers 35 critical illnesses.

9. Does the SBI Life Poorna Suraksha plan offers maternity benefits?

No, the SBi Life Poorna Suraksha plan does not offer any maternity benefit.

10. Is SBI Life Poorna Suraksha is a participating plan?

No, SBI Poorna Suraksha Life Insurance does not participate in the profits of the company.

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October 4, 2021

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September 21, 2021

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September 20, 2021

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