Poorna Suraksha Plan
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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 planis 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 by SBI Life Insurance Company 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. With this perception, it is the child who is showing their love and care towards their 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.

Who should buy SBI Life Poorna Suraksha Plan?

Your financial needs and requirements change with increasing age. This particular plan offers unique features that help you rebalance your life and a critical illness, if happens, in the best possible way. The protection offered with this plan is efficient and enhanced.

Key Features of Poorna Suraksha Plan

The plan is a complete bundle of joy, consisting of 36 critical illnesses covered. Given below are the highlights of the key features of the plan. Let's have a look at them:

1 Comprehensive Protection

The plan will provide coverage to the family members of the insured individual in case of his/her death or the occurrence of a Critical illness.

2 Unique 'Life-Stage Rebalancing'

In simple words, Critical Illness cover will increase on every policy anniversary based on policy term opted with an equal decrease in Life Cover. The total base sum assured (Life Cover SA + CI SA) would remain constant throughout the policy term.

3 Coverage for 36 Critical illnesses-

The plan offers wide coverage of 36 critical illnesses including serious ailments such as heart attacks, brain tumors, cancer, kidney failure, and many more.

4 Waiver of Premium

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

5 Fixed Premium

The premium amount remains the same throughout the term period of this plan.

6 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.

SBI Poorna Suraksha Policy Benefits

  1. Life stage rebalancing benefit

    This is one of the most important 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)
  2. 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.

  3. Critical Illness Benefit

    As discussed above, 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. However, the cover for this critical illness is paid only once and the benefit is ceased once the amount is paid. 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
  4. Premium Waiver Benefit

    On diagnosis of critical illness, all the future premiums shall be waived off for this insurance plan. After this benefit is applied, the Life Stage Rebalancing will stop and the life cover Sum Assured will continue thereafter.

  5. 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.

  6. 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 pay the lump-sum benefits irrespective of the actual bill amount.

SBI Poorna Suraksha Policy Eligibility Criteria

Criteria Minimum Maximum
Age at entry 18 years 65 years
Age at maturity 28 years 75 years
Basic sum assured Rs. 20 Lakh Rs. 2.5 crores
Premium amounts Yearly: Rs. 3,000
Half-yearly: Rs. 1,500
Monthly: Rs. 250
Yearly: Rs. 9,32,000
Half-yearly: Rs. 4,75,000
Monthly: Rs. 80,000
Policy term 10, 15, 20, 25, 30 Years
Premium paying term Regular
Premium modes Yearly / Half Yearly/ Monthly

Sample Premium Illustration of SBI Poorna Suraksha Policy

Before investing in any plan, it is very important to have an idea about its premium amount that you will be paying in future. So, for your convenience, we've created below a graphical representation of 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.

AgePremium Amount (in Rs.)
Term period of 10 yearsTerm period of 20 yearsTerm period of 30 years
25Rs. 6,472Rs. 6,967Rs. 8,492
35Rs. 10,054Rs. 13,519Rs. 17,830
45Rs. 23,099Rs. 33,697Rs. 42,949

Premium Illustration for different age groups and policy term

Premium Illustration for different age groups and policy term

How to buy SBI Poorna Suraksha Policy?

You can buy SBI Poorna Suraksha Policy either from the official website of SBI Life Insurance company or from third party agencies like agents, brokers, etc. If you wish to opt for a simple and easy buying process, consider buying the plan from the company's official website. Given below are the steps for buying the plan from SBI Life Insurance's website. Read along to find out.

  • Visit the official website of the SBI Life Insurance Company and log in to https://www.sbilife.co.in/en/individual-life-insurance/protection-plans
  • Select SBI Poorna Suraksha Policy and click on the 'Buy Now' option.
  • Fill in the required details for calculating premium such as the policy term, premium payment frequency, sum assured, date of birth.
  • Check the premium and click on the tab 'Proceed'.
  • Enter your personal and medical details.
  • Make the premium payment online through credit card, debit card, net banking, etc.

Supporting Documents Required for SBI Life Poorna Suraksha Plan

The policyholder needs to carry the following required documents to successfully apply for SBI Life Poorna Suraksha Plan:

Documents for Proof of address and identityIncome certificateAge proofMedical reports (if any)

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.

SBI Life Poorna Suraksha Policy Review

SBI Life Poorna Suraksha Plan is highly recommended for individuals who want to secure themselves or anyone in their families against critical illnesses. Most life insurance plans offer an option for the addition of a critical illness rider in their life insurance policy. But SBI Life Poorna Suraksha Plan is the only plan that provides coverage for both and covers 36 critical illnesses. You do not need to pay any extra premiums to get cover against critical illnesses. Also, the premium for the policy remains constant throughout the policy tenure and the critical illness Sum Assured will go on increasing. This makes it a comprehensive plan that is full of benefits that best suits the necessities of the policyholder.


Each individual should carefully read and research the benefits of any term plan before making the purchase decision and to shield their family and themselves against various risks at different stages of life. SBI Life Poorna Suraksha Plan is one of the best options available as it is available at a low premium and offers high benefits. As soon as you meet the risk you get the lump-sum amount. It is also a good choice as it covers critical illnesses which is useful to aid the financial needs of elderly parents. The insurance policy covers 36 critical illnesses and a lump sum is paid as soon as diagnostic tests reveal a critical illness.

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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.

Find Out What Customers Are Saying

(Showing latest 5 reviews only)

- 4.9/5 (27 Total Rating)

October 4, 2021

Munmum Pathak


I have been meaning to thank policyx for helping me with the claims process...They were diligent and made the process so smooth

September 30, 2021

Rahul Kakoti


SBI has been my go-to for almost every finance stuff...got a decent cover through policyx this time! they have extensive knowlege and im happy

September 28, 2021

Guni Das


amaaaaaazing team at policyx.com! super helpful and ready to give any aid as and when asked! thankssss y all

September 28, 2021

Himanta Biswa


truly great support staff at policy man! they helped me compare options and weighed in with interesting insights...finally bought life cover from SBI life!...

September 27, 2021

Salman A


very good work ethics at SBI nsurance...policyx agent helped me buy a policy from here. So it helped !

Last updated on 16-07-2021

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