Sampoorna Cancer Suraksha
  • Staged Lump Sum Payouts
  • Sum Assured Reset Benefit
  • Waiver Of Premium Benefit
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SBI Life Sampoorna Cancer Suraksha

In an unpredictable world safeguarding yourself and your family's future against any serious disease or forbidden threat of critical illness, such as cancer is of utmost importance. Introducing SBI Life Sampoorna Cancer Suraksha a comprehensive insurance plan diligently designed to offer you and your loved ones financial security and peace of mind during difficult times. This insurance plan is not just another cancer policy, it shields you against various stages of cancer diagnosis, including Carcinoma in Situ (CIS), Early Stage Cancer, Major-Stage Cancer, and even formidable advanced-stage cancer. Let's embark on a journey of this insurance policy that promises to safeguard your well-being and your family's future.

Key Features of SBI Cancer Sanporna Suraksha

The plan has many features that make the plan distinct, lets us have a look at the feature one by one:

  • Staged Lump Sum Payouts Depending on the benefits structure chosen, you can receive up to 150% of the sum-assured payouts. This provides financial support at different stages of cancer diagnosis.
  • Reset Benefit After 3 years of any major, minor or advanced cancer claim, within the policy term and subject to no further diagnosis of any stage of cancer using the same period, the full sum assured will be restored. This will provide the individual with extended coverage and monetary benefits without paying any extra premium.
  • Second Medical Opinion Cancer is a malicious disease, that can turn the life of an individual upside down if diagnosed. So it is very important to take a second medical advice in order to be double sure, before going for any further medical procedure. This plan covers a second medical opinion.

Eligibility Criteria Of SBI Cancer Sampoorna Suraksha

The insured individual has to fulfil the following criteria in order to buy the plan:

Age At Entry

Min:18 Yrs

Max: 65 Yrs

Maximum Age At Maturity 75 Years -
Basic Sum Assured (In Multiplies of Rs 1,00,000) Min:10,00,000 Max: 50,00,000
Policy Terms Min: 5 Yrs Max 30 Yrs
Premium Paying Term Same As the Policy Term -
Premium Frequency Loading Half Yearly/ Quarterly/Monthly -

Read more specifications in the brochure.

Benefit Structure of SBI Cacer Sampoorna Suraksha

The plan offers various benefits, the following table will give a glance at all the benefits of different plan options.






On Diagnosis of Minor Stage (Carcinoma In Situ(CSI)) Lump sum benefit=30% of the Sum Assured only one CIS claim is allowed Available Available Available
On Diagnosis of Minor Stage (Early Stage Cancer) Lump sum Benefit=30% of the Sum Assured only one Early Stage of Cancer claim is allowed Available Available Available
Major Stage Cancer Sum Assured minus (-) Claim already paid=Benefits Payout
Customers have the choice of availing the benefits payout in the following two ways:
Customers may take out the entire payout in lump sump amounts or
Customers may take 40% of the Sum Assured chosen at inception on a monthly basis for a period of 3 years and the balance if any as a lump sum payout.
*This works out to 1.2 % of SA on a monthly basis. This payout will continue even after Life Assured's death or on termination of policy.
Available Available Available
Advanced Stage Cancer (Additional Sum Assured) 150% of Sum Assured - (Previous Claims + Benefits Payout of Major Stage)=Lump sum Benefit Payout Not Available Available Available
Sum Assured Reset Benefit - Not Available Not Available Available
Premium Waiver Benefit - 5 years on diagnosis of Minor Stage cancer Full Outstanding policy terms on the diagnosis of Minor or Major Stage Cancer Full Outstanding policy terms on the diagnosis of Minor and Major Stage Cancer

The Standard Benefit Structure of SBI Life Cancer Suraksha

In the Standard Benefits Structure, the policyholder receives a payout based on their cancer diagnosis stages:

  • Minor Stage Cancer (CIS and Early Stage Cancer) If diagnosed, 30% of the sum assured is paid. It's possible to make one claim each for CIS and early-stage cancer during the policy, with a maximum combined payout of 60% of the sum assured. Additionally, premiums for the next 5 years from the first minor-stage cancer diagnosis are waived.
  • Major Stage Cancer Upon diagnosis of Major Stage Cancer, the policyholder receives 100% of the sum assured minus any prior payouts for Minor Stage Cancer. They also have the option to receive 40% of the SA as a monthly income benefit over 3 years, with the remainder as a lump sum.

Classic Benefit Structure Of SBI Cancer Sampoorna Suraksha

The Classic Benefits Structure includes coverage for minor-stage cancer, and a unique sum assured reset benefit. Here's how it works:

  • Minor Stage Cancer If the policyholder is diagnosed receives 30% of the SA, and all future premiums are waived.
  • Major Stage Cancer If the policyholder is diagnosed with Major Stage Cancer, they receive 100% of the SA after deducting prior payouts for Major Stage Cancer, and the future premiums are waived.
  • Sum Assured Reset Benefits After a period of 3 years from the date of a valid Minor or Major Cancer claim within the policy terms, and no further diagnosis of cancer during this period, the SA is restored. These benefits can be availed only once during the policy term.

Enhanced Benefit Structure Of SBI Cancer Suraksha

This benefit structure covers all the stages with escalated rewards at each tier:

  • Minor Stage Cancer 30% of the sum assured is paid, and the policyholder can claim CIS and Early Stage Cancer Benefit during the policy term, up to a maximum of 60% of the sum assured. Future premiums are waived.
  • Major Stage Cancer The remaining 100% of the sum assured is payable after deducting any benefits paid earlier for Minor stage cancer. Future premiums are waived. The policyholder can choose a monthly income benefit for 3 years.
  • Advanced Stage Cancer 150% of the sum assured is payable and if any benefits are paid earlier it is deducted.
  • Sum Assured Reset Benefit The insured can restore the sum assured after 3 years from a valid minor and major cancer claim, provided no further cancer diagnosis occurs during this period. This benefit is available once during the policy term and is applicable after the advanced-stage cancer claim.

Exclusions of SBI Cancer Sampoorna Suraksha

It is important to note the plan's exclusions, in order to avoid any future discrepancies. Here are the exclusions :

  • Death Benefit SBI Cancer Sampoorna Suraksha does not provide any death benefit.
  • Maturity Benefit The plan does not offer any maturity benefit.
  • Surrender Value There is no surrender value available under this plan.
  • Cancer Diagnosis within the Waiting Period If the policyholder is diagnosed with cancer within the waiting period, it is not covered.
  • Self Inflicted Injuries Any cancer resulting from self-inflicted injuries or suicide attempts within a specific time frame (usually within the first policy year) may not be covered.
  • Non-Disclosure If the policyholder provides incorrect information during the application process, leading to misrepresentation or non-disclosure of relevant medical history, this may lead to claim denials.
  • Intentional Acts Cases where the insured intentionally inflicts harm or participates in criminal activities leading to cancer are not covered.
  • War and Terrorism Cancer is caused directly or indirectly due to war, acts of foreign enemies, nuclear explosions, or participating in hazardous activities related to national defence are excluded from the plan.
  • HIV/AIDS If the cancer results in HIV/AIDS it will not be covered by the plan.
  • Non-Medical Treatment Expenses related to alternative or non-medical treatment not supported by medical practitioners are excluded.
  • Experimental And Unproven Treatments Treatments and procedures that are considered experimental, investigational, or unproven are not covered under the plan.
  • Drugs or Alcohol Abuse Cancer cases caused or exacerbated by substance abuse including drug or alcohol addictions are not covered.
  • Sexually Transmitted Infections(STIs) If a sexually transmitted infection leads to cancer, it is excluded from the coverage.
  • Waiting Period There is a waiting period of 90 days from the policy start date during which cancer-related claims are not payable.
  • Pre Existing Conditions Cancer cases related to pre-existing conditions or diseases known to the policyholder before the policy inception are not covered.
  • No Rider Benefit The plan does not have any additional rider benefits.


SBI Cancer Sampoorna Suraksha is a comprehensive plan designed to offer financial security against various stages of cancer. With stages of lump-sum payouts and additional benefits, it provides essential coverage for policyholders at their families.

Explore Other SBI Best Term Insurance Plans

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

Standard Plan

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

  • 5% Discount on Premiums
  • OPD Coverage
  • Maternity Cover

SBI Life Arogya Shield (Pros)

  • Mental Illness Cover
  • Pre & Post Hospitalization
  • HIV/AIDS Cover

SBI Life Arogya Shield (Cons)

  • No Loans Allowed
  • No cover for suicide
  • No rider Benefits

SBI Life Arogya Shield (Other Benefits)

  • 141 Day Care Procedures
  • Tax Saving on 80D and 80C (Health & Life Premiums)
  • Multiple Sum Insured (1, 2 & 3L )

SBI Life Arogya Shield (Eligibility Criteria)

  • Entry Age - 90 Days (Health) 18 Years (Life)
  • Max Entry Age - 65 years
  • Minimum Sum Assured - 5 L
  • Maximum Maturity Age - 70 Years
  • Premium Payment Term - Regular Premium (Annually)

Online Plan

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

  • Online Plan
  • Increasing Cover on Life Stages
  • 100 Years Life Cover

SBI Life e-Shield Next (Pros)

  • 2 Rider Options
  • Better Half Benefit Option
  • Guaranteed Surrender Value

SBI Life e-Shield Next (Cons)

  • No Loans Allowed
  • No Maturity Benefit
  • Suicide no covered

SBI Life e-Shield Next (Other Benefits)

  • Life Cover with Future Proofing Benefit
  • Death Benefit Options
  • Terminal Illness Cover on all Variants

SBI Life e-Shield Next (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 years
  • Minimum Sum Assured - 50 L
  • Maximum Maturity Age - 85 Years
  • Premium Payment Term - SP/RP/LP

Standard Plan

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

Unique Features

  • Life Cover with Future Proofing Benefit
  • 100 % Death Benefit
  • Max Sum Assured 25 Lakh

Saral Jeevan Bima (Pros)

  • Available For Online Buying
  • Spouse Cover
  • Max Sum Assured 25 Lakh

Saral Jeevan Bima (Cons)

  • No Survival Benefit
  • No Maturity Benefit
  • No Surrender Benefit

Saral Jeevan Bima (Other Benefits)

  • Easy Claim Settlement Process
  • Avail Tax Benefits
  • Flexible-Premium Payment term

Saral Jeevan Bima (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 years
  • Minimum Sum Assured-5 L
  • Maximum Maturity Age- NA
  • Premium Payment Term-RP/SP/LP(5&10 Years)

Standard Plan

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.

SBI Life Smart Shield (Pros)

  • Two Plan Options
  • Accidental Total and Permanent Disability Benefit Rider
  • Accidental Death Benefit Rider

SBI Life Smart Shield (Cons)

  • Premium Loading
  • No Loan Benefit
  • No Survival Benefit

SBI Life Smart Shield (Other Benefits)

  • Covers Suicide
  • Death Benefit
  • Accelerated Critical Illness Benefit

SBI Life Smart Shield (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 60 years
  • Minimum Sum Assured - 25 L
  • Maximum Maturity Age - 80 Years
  • Premium Payment Term - 5 Yeras SP/RP

Rural Plan

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.

SBI Life Grameen Bima (Pros)

  • Easy Enrolment
  • Suicide Cover
  • Fast Processing

SBI Life Grameen Bima (Cons)

  • No Loans Allowed
  • No Maturity Benefit
  • No Rider Benefits

SBI Life Grameen Bima (Other Benefits)

  • Min Single Premium Amount Rs 300
  • Max Sum Assured 50K
  • Tax Benefits

SBI Life Grameen Bima (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 50 years
  • Minimum Sum Assured - 10 K
  • Maximum Maturity Age - NA
  • Premium Payment Term - One-Time Payment at Inception

SBI Life Sampoorna Cancer Suraksha: FAQ's

1. What types of cancer does this plan cover?

This plan covers various stages of cancer, including Carcinoma In Situ(CIS), Early Stage Cancer, major-stage cancer, and advanced-stage cancer.

2. Can I get this insurance if I have a pre-existing medical condition?

Eligibility depends on your health condition, age, and pre-existing conditions that might affect the coverage.

3. Is there an age limit to apply for the SBI Life Cancer Suraksha plan?

The age of entry of this plan is between 18 -65 years

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Varun Saxena

Written By: Varun Saxena

Varun is a passionate content writer with over three years of experience in the insurance domain. An avid learner, he stays ahead of the industry's trends ensuring his writing remains fresh and includes the latest insurance shifts. Through his work, Varun strives to engage with targeted insurance readers.