Critical Illness Insurance Plan: Buy Poorna Suraksha Policy for 36 Critical Illnesses| SBI Life

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UIN: 111N110V02

Product Code: 2F

SBI life Poorna Suraksha- Critical Illness Cover

Let affection of your loved ones be felt at all times

  • Term Insurance Plan with Increasing** Critical Illness Cover
  • Premium waiver benefit on diagnosis of Critical Illness
  • Fixed premium throughout the policy term
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An Individual, Non-linked, Non Participating, Life Insurance Pure Risk Premium Product with In – Built Critical Illness Cover

If your needs change with age, Why shouldn’t your financial planning?
With SBI Life – Poorna Suraksha Plan, auto-rebalance your Life and Critical Illness cover as you get older, for more effective protection.

This Term Insurance product with Critical Illness cover offers:
  • Security - Comprehensive protection in case of death and critical illness
  • Simplicity - Re-balances your life and critical illness cover on every policy anniversary
  • Reliability - A lump sum payout providing financial support in case of diagnosis of any of the covered 36 critical illnesses and waiver of all future premiums.

Want to know how the life stage rebalancing feature helps you prepare financially? Try our premium calculator below



SBI Life Poorna Suraksha Details

SBI life Poorna Suraksha Critical Illness Plan

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30 year old Sanjay, who was worried about uncertainties of life and increasing risk of critical illness as he ages, is now financially prepared with this life + critical illness cover rebalancing insurance plan

Fill the form fields below and see how you can benefit from a rebalancing insurance plan like SBI Life – Poorna Suraksha.




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20 Lac 2.5 Cr


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  • Life stage rebalancing
  • Comprehensive critical illness coverage
  • Waiver of premium on diagnosis of any of the covered Critical Illness
  • Fixed premium throughout the term of the policy



  • Get a comprehensive insurance coverage against death and critical illnesses
  • Even though the Critical Illness cover increases on every policy anniversary the premiums remains constant


  • Automatically adjusts your sum assured between life and critical illness cover on every policy anniversary


  • Secure your finances against 36 serious critical illnesses
  • All future premiums are waived on diagnosis of any of the covered 36 critical illness

Life Stage Rebalancing:

The ‘LifeStage Re-balancing’ feature rebalances cover between Life Cover and Critical Illness (CI) Cover.

At policy inception, the Basic Sum Assured would be split between Life Cover Sum Assured (SA) & CI Sum Assured (SA) in the proportion of 80:20 respectively. There would be an increase in CI SA on each subsequent policy anniversary, as mentioned in table below. The increase will be as a percentage of initial CI SA, based on chosen policy term.

The decrease in Life Cover SA would be equal to the increase in CI SA. The change in sum assured would happen only on policy anniversary.

The total basic sum assured (Life Cover SA + CI SA) would remain the same throughout the policy term

Life Cover:

In case of death of life assured, sum assured on death would be the paid to the nominee or legal heir, as the case may be.
Where the Sum assured on death is higher of the following: 
A)    10 times the Annualized premium%, or;  
B)    105% of total premium@ received up to the date of death, or; 
C)   Absolute amount assured to be paid on death, which is equal to the effective Death Benefit sum assured+, as applicable on the date of death.
+Effective Death Benefit Sum assured is the sum assured payable on death of the life assured applicable for the policy year in which the death has occurred.  
% Annualized premium, shall be the premium amount payable in a year, as chosen by the policyholder, excluding the applicable taxes, underwriting extra premiums and loading for modal premiums, if any.
@ Total premiums received means total of all the premiums received, excluding any extra premium and applicable taxes. 

Critical Illness (CI) Benefit

Effective^^ Critical Illness Sum Assured will be paid, on the diagnosis of covered critical illness. The CI Benefit will be paid only once and will cease once the benefit is paid.

^^ Effective  Critical  illness  sum  assured  is  the sum  assured  payable  on  life  assured  getting diagnosed  with  one  of  the  covered  CIs, applicable for the policy year in which the CI has been diagnosed.
•    Survival Period for Critical Illness Benefit
The Critical Illness Benefit is payable only after survival period of 14 days from the date of diagnosis of the covered critical illness. In other words, Critical Illness benefit is not payable if the life assured dies within 14 days from the date of diagnosis of the covered critical illness.
•    Waiting Period for Critical illness benefit
There is a waiting period of 90 days from the date of commencement of risk or revival whichever is later and no Critical Illness benefit will be payable, if the diagnosis of any the covered CI has occurred during the waiting period.

N.B. – Please refer Product Brochure for definitions of 36 Illnesses covered and their exclusions

Premium Waiver Benefit

Once a claim under CI is accepted by the Company, all future premiums for the policy will be waived for the rest of the policy term, from the date of diagnosis of the medical condition. The remaining policy benefits shall continue throughout the policy term. The Life Stage Rebalancing will cease to exist once premiums are waived off and the Effective^ Life Cover SA will remain constant from thereon.

Maturity Benefit:

No maturity benefit available under the plan.

Avail tax benefits*

For more details on risk factors, terms and conditions of SBI Life – Poorna Suraksha, read the following documents-

$All the references to age are age as on last birthday.

# For Monthly mode, upto 3 Months premium to be paid in advance and renewal premium payment through Electronic Clearing System (ECS) or Standing Instructions (where payment is made either by direct debit of bank account or credit card).For Monthly Salary Saving Scheme (SSS), upto 2 month premium to be paid in advance and renewal premium payment is allowed only through Salary Deduction

## The maximum premium is considering a healthy life and is based on sum assured as per the Board approved underwriting policy.

2F.ver.02-07-20 WEB ENG

For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding a sale.

**Rebalancing of Life and Critical Illness cover on every policy anniversary based on the policy term chosen. The total basic Sum Assured will remain constant throughout the policy term.

*Tax Benefits:

You are eligible for Income Tax benefits/exemptions as per the applicable income tax laws in India, which are subject to change from time to time. You may visit our website for further details here. Please consult your tax advisor for details.

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