Overview

Sampoorna Suraksha Bima is a comprehensive insurance package offered by major providers such as National Insurance. It combines multiple coverage types, such as health, personal accident, and home or asset insurance, into a single policy.

Key Coverage:

  • Health & Personal Accident: Hospitalization expenses, critical illness coverage, and compensation in case of accidental death or disability.
  • Asset Protection: Coverage for fire, burglary, breakdown of home appliances, and theft of jewelry.
  • Family Benefits: Financial support for children's education, modifications to your home/vehicle, or emergency air ambulance services.

Other Important Details:

  • Entry Age: Usually ranges from 18-65 years, depending on the specific plan.
  • Tenure: Typically a one-year group or individual policy, renewable annually.
  • Claim Time: Many insurers process claims within 7 working days.

Most people insure their car without a second thought. But the home you live in and everything inside it rarely gets the same attention. A kitchen fire, a burglary, or an accidental fall at home can result in losses that are far harder to recover from without coverage.

It brings together property protection and personal coverage into a single policy, so you are not juggling multiple renewals or insurers. 

This guide focuses on the key features of Sampoorna Suraksha Bima Yojana, its eligibility criteria,  premium, and renewal details.

Unsure whether you need a standalone health or term plan alongside such package policies? Book a free call or chat with Ditto's advisors on WhatsApp.

What Is Sampoorna Suraksha Bima Yojana?

National Insurance Company Limited's New Sampoorna Suraksha Bima is a package policy for individuals and families that bundles various types of general insurance coverage into a single annual plan. 

It is often referred to as a ‘Householder's Package Policy’ because it is designed around the needs of people who own or rent a home. 

You pick a mandatory base section and then add the coverage sections that apply to your situation.

Note: Sampoorna Suraksha Bima is not a government scheme or government-sponsored scheme. However, it is offered by PSU insurers.

This plan should not be confused with:

    • Saral Suraksha Bima: It is an IRDAI-standardized Personal Accident policy that all general and standalone health insurers must offer. Saral Suraksha Bima Yojana covers accidental death and permanent disablement, but has nothing to do with home or property protection. 
    • SBI Life Sampoorn Suraksha: This is a group term life insurance plan offered by SBI Life Insurance, not a general insurance product. SBI Life Sampoorna Suraksha provides life cover under a group policy structure and is unrelated to home or property coverage.
    • Universal Sompo Sampoorna Suraksha Bima (Micro Insurance): This was a combo product covering health, fire, burglary, and personal accident. Universal Sompo has now withdrawn this product, and it is no longer available for purchase. Existing policyholders were offered the option to migrate to a substitute product.
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The active and available product for new buyers is the National Insurance Company's New Sampoorna Suraksha Bima, which is discussed throughout this article. Since the product documents and detailed information are not readily available on the website, prospective buyers should verify all policy details directly with National Insurance before making any purchase decision.

Key Features of Sampoorna Suraksha Bima Yojana

The New Sampoorna Suraksha Bima from National Insurance is a sectional policy. Section I is compulsory, and you must select at least two additional sections.

The main coverage sections available under the policy are listed below.

    • Section I (Personal Effects): This section covers loss or damage to your personal belongings, including clothing, baggage, and household contents due to fire, riot, theft, and allied risks.
    • Section II (Residential Building): Covers damage to your home structure, including walls, floors, roofing, and permanent fixtures caused by fire, lightning, explosion, flooding, and other specified dangers.
    • Section III (Personal Accident): Covers accidental death and disablement for the policyholder and family members listed under the policy.
    • Section IV (Medical Expenses): Covers hospitalization expenses arising from illness or injury during the policy period. Pre-existing conditions are not covered, and diseases that first appear in the first 30 days of the policy are excluded.
    • Section V (Additional Coverages): The proposal form also includes sections for covering items such as personal computers, professional indemnity, and vehicles, depending on the insurer's applicable underwriting rules.

Eligibility Criteria for Sampoorna Suraksha Bima Yojana

    • You are a resident of India aged 18 years or above. 
    • Children aged 91 days and above can be covered as dependents if at least one parent is the primary insured. 
    • Dependent children can be covered up to age 25 years if they are unmarried and financially dependent. 
    • You must have a residential premises (owned or rented) that serves as the insured location.

Note: If you searched for Sampoorna Suraksha Bima by Govt of India, note that the phrase is commonly used because National Insurance is a government-owned insurer. However, this is not a government welfare scheme or subsidized health plan.

Premium and Renewal Details

The Sampoorna Suraksha Bima premium depends on the sections you select, the sum insured you choose for each section, and the profile of the insured members. There is no single flat premium because the policy is modular.

A discount on premiums is available when you opt for more than one section, encouraging broader coverage rather than a single section.

The policy is issued for one year and is ordinarily renewable each year. 

Claims are typically settled within 7 working days of acceptance, and delayed payments attract interest at 2% above the prevailing bank rate. These timelines apply to general insurance claim standards.

Note: Ditto services are currently limited to term life and health insurance and do not advise on general insurance products. For accurate premium calculations, use the official National Insurance online quote tool or contact a licensed general insurance advisor.

How to Apply for Sampoorna Suraksha Bima?

Online

    • Visit the National Insurance portal. 
    • Select the Sampoorna Suraksha Bima option.
    • Fill in the required details for each section and get a premium quote.
    • Complete payment online to receive your policy document.

Offline

    • Download the Sampoorna Suraksha Bima proposal form from the National Insurance website. 
    • Fill in your personal information, including your name, address, PAN, date of birth, and details of all family members to be covered. 
    • Select Section I and your chosen additional sections. 
    • Attach self-attested copies of your identity proof, address proof, and any other documents requested. 
    • Submit the completed form at your nearest National Insurance branch or through a licensed agent.
    • Once submitted and verified, your policy document will be issued with a policy number and schedule that confirm the sum insured and the sections covered.

Sampoorna Suraksha Bima Vs. Private Health Insurance

Many people wonder whether the medical section of the Sampoorna Suraksha Bima government scheme can replace a standalone health insurance policy. The short answer is that it should not.

The medical coverage under this plan is bundled alongside property and accident sections. It excludes pre-existing diseases (PEDs) entirely and applies a 30-day waiting period for new diseases. 

Standalone health insurance plans, by contrast, are designed specifically for medical expenses. They offer higher sum insured options, cashless network access across thousands of hospitals, no-claim bonuses, and more comprehensive waiting period management.

Here’s a comparison table to help you understand the differences between Sampoorna Suraksha Bima and standalone health insurance:

ParameterSampoorna Suraksha Bima (Medical Section)Standalone Health Insurance
Primary PurposeBundled with home and PA coverDedicated health protection
Pre-existing Disease CoverNot coveredCovered after a waiting period of maximum 3 years
Sum Insured OptionsLimitedWider range available up to ₹1 crore or even unlimited
Cashless HospitalizationDepends on the insurer and their networkWidely available
No-Claim BonusNot applicableAvailable in most plans
Coverage ScopePart of a packageComprehensive medical focus

At Ditto, we recommend treating standalone health insurance as a non-negotiable foundation and viewing the medical section of Sampoorna Suraksha Bima as supplementary protection rather than a replacement.

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Sampoorna Suraksha Bima
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Conclusion

The National Insurance New Sampoorna Suraksha Bima is a practical, modular plan for homeowners who want to consolidate property, personal accident, and medical coverage under a single annual policy. The ability to choose your sections means you are not paying for protection you do not need, while the discount for selecting multiple sections makes broader coverage more affordable.

That said, this plan should work alongside, not instead of, dedicated health and term insurance. Your home policy protects your assets. Your health insurance protects your savings when you fall ill. And a term plan protects your family if something happens to you.

For help choosing the right term and health insurance plans for your needs, check out our guides on the best term insurance plans and the best health insurance plans in India.

Frequently Asked Questions

What is Sampoorna Suraksha Bima by the Government of India?

Sampoorna Suraksha Bima is a householder's package insurance policy offered by National Insurance Company Limited, a public sector general insurer under the Government of India. It bundles multiple types of protection into one annual plan, covering personal belongings, your home structure, personal accidents, and medical expenses. You choose a mandatory base section and add at least two additional sections as needed. It is also called a Householder's Package Policy or All-in-One Home Insurance, and it is available to Indian residents aged 18 to 80.

Is Sampoorna Suraksha Bima a government scheme?

Sampoorna Suraksha Bima is not a government welfare scheme like Ayushman Bharat and PM Health Insurance (PMJAY). It is a general insurance product offered by National Insurance Company Limited, a government-owned insurer under the Ministry of Finance. The plan is regulated by the IRDAI and is sold to individuals at market premiums. While it is backed by a public sector insurer, it does not involve government subsidies or direct benefit transfers. Buyers pay premiums based on the sections and sum insured they select.

What does Sampoorna Suraksha Bima cover?

Sampoorna Suraksha Bima covers multiple risk categories under one policy. Section I, which is compulsory, covers personal effects including clothing, baggage, and household contents against fire, theft, and allied perils. Optional sections cover your residential building structure, personal accidents, including accidental death and disablement, and medical hospitalization expenses. Additional sections for personal computers, professional indemnity, and vehicles may also be available. Pre-existing diseases are excluded under the medical section, and diseases that first appear within the first 30 days of the policy are also not covered.

What is the difference between Sampoorna Suraksha Bima and Saral Suraksha Bima?

These are two completely different products that often get confused because of their similar names. Saral Suraksha Bima is an IRDAI-standardized Personal Accident policy that all general and standalone health insurers must offer. It only covers accidental death and permanent disablement and has no connection to home or property protection. Sampoorna Suraksha Bima, on the other hand, is a householder's package policy from National Insurance that bundles home, property, personal accident, and medical cover into one plan. They serve very different purposes and should not be treated as alternatives.

Who is eligible for Sampoorna Suraksha Bima Yojana?

To be eligible for Sampoorna Suraksha Bima, you must be an Indian resident aged 18 years or above with a residential premises, owned or rented, that can be declared as the insured location. Dependent children aged 91 days to 25 years can be covered if at least one parent is the primary insured, provided the children are unmarried and financially dependent. The policy can be renewed until the primary proposer turns 80 years of age. There is no minimum income requirement, and salaried individuals, self-employed persons, and homemakers are all eligible to apply.

Can Sampoorna Suraksha Bima replace my health insurance policy?

No, the medical section of Sampoorna Suraksha Bima should not replace a standalone health insurance policy. The medical cover under this plan excludes pre-existing diseases entirely and applies a 30-day waiting period for new illnesses. Standalone health plans offer higher sum insured options, cashless hospitalization at thousands of network hospitals, no-claim bonuses, and far more comprehensive disease coverage. At Ditto, we recommend treating dedicated health insurance as a non-negotiable financial foundation and using the medical section of Sampoorna Suraksha Bima only as supplementary protection alongside your primary health policy.

What happened to Universal Sompo's Sampoorna Suraksha Bima?

Universal Sompo General Insurance previously sold a product also called Sampoorna Suraksha Bima, a micro-insurance combo policy covering health, fire and allied perils, burglary, and personal accident across 4 sections. The entry age for that product was 18 to 65 years. Universal Sompo has since withdrawn this product, and it is no longer available for new buyers. Existing policyholders were given the option to migrate to the company’s nearest substitute product. The only  Sampoorna Suraksha Bima product currently available for new buyers is National Insurance Company Limited's New Sampoorna Suraksha Bima.

How do I apply for Sampoorna Suraksha Bima online?

You can apply for Sampoorna Suraksha Bima online through the official National Insurance website. Select the New Sampoorna Suraksha Bima option, choose your sections starting with the compulsory Section I and at least two additional sections, fill in details about the insured property and family members, get a premium quote, and complete payment online. Your policy document is issued digitally once the payment is confirmed. For offline applications, download the proposal form from the National Insurance website and submit it at your nearest branch.

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