Benefits of Poorna Suraksha Critical Illness Insurance | SBI Life
SBI Logo

Join Us

Tool Free 1800 22 9090

Benefits of the SBI Life - Poorna Suraksha

Insurance Basics & Financial Advice In these uncertain times, it has become all the more important to take care of yourself and your family. As you age, you become susceptible to a range of health issues. A health insurance policy is thus a must. But, it is of limited assistance when you are diagnosed with a critical illness or serious complications that may require expert medical care and advanced treatment.

Benefits of the SBI Life - Poorna Suraksha

6 Minute |

Benefits of Poorna Suraksha

In these uncertain times, it has become all the more important to take care of yourself and your family. As you age, you become susceptible to a range of health issues. A health insurance policy is thus a must. But, it is of limited assistance when you are diagnosed with a critical illness or serious complications that may require expert medical care and advanced treatment.Also, have you thought about what happens to your family in your absence. SBI Life has come out with the perfect solution for all your problems- SBI Life -Poorna Suraksha, An Individual, Non linked, Non participating, Life insurance pure risk premium product with in-built Critical Illness cover. It is a term plan that offers you built-in critical illness cover. Know more about the plan and why it is perfect for you below-

Why the SBI Life - Poorna Suraksha plan?

SBI Life has launched a well-rounded protection plan that offers you life insurance and critical illness cover in a single plan called SBI Life - Poorna Suraksha. It adds to your ease and convenience by offering life cover and protection from 36 critical illnesses ranging from heart diseases to cancer in a single plan. Feature-rich and versatile in equal measures, the plan is suitable for people of all age groups. Here is what makes the SBI Life- Poorna Suraksha cover perfect for you-

  • Dual Benefit

    The SBI Life - Poorna Suraksha plan comes with dual benefits of Life insurance and critical illness cover. The sum assured in the insurance policy is split 80:20 (at policy inception) between life insurance cover and critical illness cover, which auto-rebalance itself as you age. In case of your demise, your nominee shall receive the effective* death benefit sum assured. You can avail the critical illness benefit if you are diagnosed with any of the illnesses which are covered under the plan.

    *Effective death benefit Sum assured is the sum assured payable on the death of the life assured applicable for the policy year in which the death has occurred.

  • Rebalancing cover

    The SBI Life - Poorna Suraksha plan provides a proportionate increase in critical illness cover over the years. The CI cover will increase with the term of the policy and the life cover will decrease by the same amount without any change in the premiums. This thoughtful feature comes in handy to counter market inflation and the increasing costs of medical treatment.

  • Waiver of premium benefit​

    If you are suffering from a life-threatening illness, you might be unable to work. It may result in a loss of income. It can hit hard, especially if you are the sole breadwinner in your family. The WOP (Waiver of Premium) benefit helps you in these hard times. In case you are diagnosed with any of the covered critical illness, you are waived off from paying all future premiums, and the remaining policy benefits shall continue throughout the policy term.

  • The free look option

    SBI Life - Poorna Suraksha offers a free look option. This is a trial period of the plan. You can purchase the insurance plan, and you are allowed to cancel it by giving a letter stating the reason within the first 15 days. The company will refund any premiums towards the plan after deducting charges and taxes,as applicable#.

    #Please refer to the brochure for more details

  • Grace period

    The plan gives you a grace period of 30 days from the due date of your premiums for the annual and semi-annual premiums. The grace period for monthly premiums is 15 days. The policy will be considered as in-force during the grace period. The grace period is very beneficial if you miss out paying your premium on the due date for whatever reason.

SBI Life - Poorna Suraksha is a complete package and perfect for those who are looking for Life Insurance with inbuilt critical illness cover. The SBI Life - Poorna Suraksha plan offers a wide range of features that make it all the more attractive. Add to that an easy on-boarding process, and you know why the plan is perfect for you!

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

TOOLS & CALCULATORS Pages

Human Life Value Calculator

Here’s a tool that shows your financial preparedness towards any eventuality, so that your family never loses its smile even when you are not around.

Plan Now

Child Education Planner

To help you determine investments you need to make regularly in order to fulfill your little one's dream

Plan Now

Retirement Planner

To help you continue celebrating your life post-retirement to the fullest, a tool that helps you plan for your retirement days better!

Plan now

Need Analysis Planner

A holistic life planner that suggests the right amount of insurance and plans based on your unique needs.

Plan Now