ABSLI Poorna Suruksha Kawach
  • 6 Plan option
  • Increasing or decreasing SA benefit
  • Special exit value
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Bindiya Sinha
Written By:
Bindiya

Bindiya Sinha

Term & Life Insurance

Bindiya is a seasoned content writer specializing in keeping readers acquainted with the insurance industry, term insurance developments, and life insurance sector shifts. With an experience of 3 years in insurance, Bindiya ensures that her readers stay well informed with the insurance developments and factually correct information.

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Priya Singh

Priya Singh

Health, Life & Term Insurance

Priya has been in the content writing industry for over 9 years. She has been religiously following the insurance sector since the start of her career which makes her an avid insurance expert. Her forte lies in health, term, and life insurance writing, along with her knowledge of the latest developments in the insurance sector.

Himanshu Kumar

Himanshu Kumar

Term Insurance, Content Writer

Content Manager with heart, mind, and soul dedicated to creating impactful content that exceeds the market standard, delivers and reaches the readers conveniently. Besides producing high-ranking content, my focus lies in creating content that solves user queries and adds value.

Himanshu Kumar

Written By: Himanshu Kumar

Updated on Jan 15, 2025

Himanshu Kumar

Anchita Bhattacharyya

Term Insurance, Content Manager

Content Manager with heart, mind, and soul dedicated to creating impactful content that exceeds the market standard, delivers and reaches the readers conveniently. Besides producing high-ranking content, my focus lies in creating content that solves user queries and adds value.

Reviewed By: Anchita Bhattacharyya

15 min read

Rhishabh Garg
Written By: Rhishabh Garg
Rhishabh Garg
Rhishabh Garg Term Insurance Head
Rhishabh Garg is the Business Unit Head of Term Insurance at Policybazaar.com. He has over 10 years of experience and currently plays a crucial role in shaping the future of term insurance in the company. Rhishabh also has experience in customer services and crafts new strategies for organizational success, one of which is Policybazaar’s claim assistance program.
Santosh Agrawal
Reviewed By: Santosh Agrawal
Santosh Agrawal
Santosh AgrawalChief Business Officer
Santosh Agarwal is the Chief Business Officer of life Insurance at Policybazaar.com and has over a decade of experience in the insurance domain. She has helped shape Policybazaar's life insurance vertical and ensures the effective execution of the company's overall strategy. Santosh is also responsible for the Term Insurance for Women domain at Policybazaar.com and educates the masses about its importance and benefits.

ABSLI Poorna Suruksha Kawach

ABSLI Poorna Suraksha Kawach is a comprehensive plan that offers the benefit of return of premium and early return of premium along with the life insurance cover to secure your savings.

One of the many benefits of the plan is the ability to increase your sum insured at major life stages such as marriage, and the birth of your child.

Here are some key features of this plan:

why-choose
  • Waiver of premium benefit
  • Critical illness benefit
  • Accidental and total disability
  • Decreasing term insurance
  • Tax benefits
  • Return of premium

Eligibility Criteria for ABSLI Poorna Suruksha Kawach

Your Occupation

Entry age

Minimum Age - 18 years Maximum Age - 65 years

Mukhyamantri Amrutam Yojana

Maturity age

Maximum Maturity Age - 85 years

Your Gender

Policy term

Minimum term - 5 years Maximum term - 55 years

Maternity Benefit Rider

Sum assured

Base sum assured: 50 Lacs to 20 Crore.

Dr YSR Aarogyasri Trust

Policy loan

The policy loan is not available under ABSLI Poorna Suruksha Kawach

Maternity Benefit Rider

Payment modes

Annual, half-yearly, quarterly & monthly

How Does ABSLI Poorn Suraksha Kawach Work?

Let's understand how the ABSLI Poorn Suraksha Kawach works with a simple premium illustration.

Why Buy Term Insurance Online?

Problem

Mr Rahul Srivastava is a 35-year-old Bareilly-based government teacher. He is looking for a term insurance plan that offers inbuilt critical illness benefits with affordable premiums.

Solution

He visited Policyx.com to learn more about these term plans. PolicyX.com carefully analyzed his query and suggested him to go with ABSLI Poorn Suraksha Kawach plan. 

Let us see a brief illustration of Mr. Rahul Srivastava's ABSLI Poorna Suraksha Kawach Plan. 

Age of policyholder Annual premiums Policy tenure Premium payment term Total premiums paid Sum assured
35 years Rs 25,987 25 years 25 years Rs 649675 Rs 75 Lakh

Key Takeaways: Mr.Rahul Srivastva will covered up to the age of 60 years. In case of an unfortunate event, his nominee will receive a sum assured of Rs. 75 lakhs.

Benefits of ABSLI Poorna Suruksha Kawach

Here are the benefits associated with the ABSLI Poorna Suruksha Kawach

Maternity Benefit Rider

Death Benefit

In case of unfortunate demise of the life insured during policy term, ABSLI Poorna Suraksha Kawach offers death benefits among the highest of the following: 10 times of annual premium, 105% of the total premium paid, sum assured to lumpsum amount.

Tax

Maturity Benefit

Once life insured survives the whole policy term, ABSLI Poorna Suraksha Kawatch returns back all the paid premiums.

Maternity Benefit Rider

Tax Benefits

All the premiums paid for ABSLI Poorna Suraksha can be used to claim tax benefit upto Rs. 1.5 lakhs under section 80C and upto 2.5 Lakhs under section 10(10D) of the income tax act.

Tired of Pushy Sales? Get Insurance, Your Way Tired of Pushy Sales? Get Insurance, Your Way

Riders Associated with ABSLI Poorna Suraksha Kawach

You can add the following riders to your ABSLI Poorna Suraksha Kawach:

ABSLI ADD (Accidental Death and Disability)

This rider offers additional protection for accidents leading to death and disability at an affordable cost.

ABSLI Critical Illness rider

This rider offers a lumpsum amount in case of diagnosing listed critical illnesses.

ABSLI Surgical Care Rider

This rider offers a lumpsum amount to cover surgical expenses.

Features of ABSLI Poorna Suruksha Kawach

Critical Illness Benefit

ABSLI Poorna Suraksha term plan offers the inbuilt feature of covering 42 critical illness diseases.

Six Plan Options

ABSLI Poorna Suraksha Kawach offers six different plan options covering comprehensive protection and cover vast needs of every unique customer.

Return of Premiums

With the ABSLI Poorna Suraksha Kawach term plan, you can get back all the paid premiums upon surviving the whole policy term.

Exclusion of ABSLI Poorna Suraksha Kawach Plan

Here is the list of exclusions associated with the plan:

  • Death occurred due to a pandemic is not covered by the company.
  • Death caused due to any type of adventure sports.
  • Death by consumption of any type of drugs and alcohol.
  • Death due to any pre-existing disease that isn't mentioned during the start of the policy.
  • If policyholder commits suicide within first 12 months of purchasing the policy, then no death benefits are paid to their nominee. Either premiums paid to date or the surrender value of the policy whichever is higher is paid to them.

Conclusion

ABSLI Poorna Suraksha Kawach is a versatile insurance plan with six options, offering comprehensive life coverage, Return of Premium, and Early Return of Premium. The benefits also include survival and maturity. The plan offers a high sum insured, which is enough for a family for all-inclusive coverage. In case you want to know more about this plan, you can contact PolicyX.com. Our certified insurance advisors work 24/7 to solve every query of yours ar zero cost.

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Bindiya Sinha

Written By: Bindiya Sinha

Bindiya is a seasoned content writer specializing in keeping readers acquainted with the insurance industry, term insurance developments, and life insurance sector shifts. With an experience of 3 years in insurance, Bindiya ensures that her readers stay well informed with the insurance developments and factually correct information.