Overview of Poorna Suraksha Kawach
The Aditya Birla Sun Life Insurance (ABSLI) Poorna Suraksha Kawach Plan is a highly flexible term insurance policy offering six unique coverage options designed to adapt to various life stages and financial goals. It combines essential term cover with advanced features like Waiver of Premium on critical illness or disability, Accelerated Critical Illness Benefit (covering 42 illnesses), and even Return of Premium and Early Return of Premium options. With add-ons like the One-Time Exit Value (OTEV) and comprehensive rider suite, this plan provides a well-rounded protection solution that caters to the evolving needs of salaried individuals and families.
Experts' Review of Poorna Suraksha Kawach
Written by Monish Vora
Chief Editor
The ABSLI Poorna Suraksha Kawach Plan is more than just a standard term insurance policy—it’s a modular financial protection tool tailored for those seeking flexibility, long-term value, and layered security. What stands out is the choice of six plan variants, including traditional level cover, increasing/decreasing sum assured, Return of Premium(ROP), and even an Early Return of Premium (ERoP) aligned with your retirement goals. These options allow policyholders to match protection with personal milestones—a rare and valuable feature.
From a health perspective, it offers robust inbuilt and optional benefits. Terminal illness coverage comes standard, while the Accelerated Critical Illness (ACI) rider covers up to 42 illnesses. There's also a Waiver of Premium (WOP) on diagnosis of critical illness or total permanent disability, ensuring continued coverage even during income disruptions. Notably, the plan also includes a One-Time Exit Value, letting you opt out after 30 years and reclaim your paid premiums—a thoughtful addition.
However, premiums can be steep, especially under the ERoP and Increasing Cover options. And once a plan option is selected, you can’t switch later, limiting adaptability mid-policy. ABSLI’s digital experience and claim assistance network, while improving, still lag behind top-tier insurers like HDFC Life OR ICICI Prudential.
Pros
It is a feature-rich plan with a critical illness rider and waiver of premium rider.
Aditya Birla Sun Life has decent track record with good claim and service metrics
Offers seven variants with ROP , increasing options, and Hospicare and Surgicare benefits.
Offers an exit option with full premium refund and includes coverage for terminal illness.
Cons
The plan lacks cover continuance, instant claim payout, and cover increase option available with other insurers.
Aditya Birla Sun Life
Key Insights
Founded
2000
Aditya Birla Sun Life was established 26 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
98.45% CSR, calculated as a 3-year average
Aditya Birla Sun Life settles 98.45% of all claims it receives demonstrating strong credibility.
Complaints
2.3 complaints per 10,000 claims registered
Aditya Birla Sun Life maintains a low volume of complaints, reflecting strong customer satisfaction and effective service.
Amount Settled
94.34% of total claim amount settled
Aditya Birla Sun Life shows a reasonable claim payout record, with around 94.34% of the total claim amount settled, indicating moderate settlement efficiency.
The aforementioned ratios have been averaged over three years (FY23-FY25)
Features of Poorna Suraksha Kawach
Surgical Care
Standout
Provides lump sum benefit in case of hospitalization for a minimum period of 24 hours for undergoing medically necessary surgery in India.
Hospital Care
Standout
Provides lump sum benefit in case of hospitalization for a minimum period of 24 hours for undergoing medically necessary surgery in India.
Zero Cost Option
Some insurers will return all your premiums if you forego your policy before maturity, during a period specified by the insurer. Meaning you get all your premiums back, while also being protected under the term plan during this time. And Poorna Suraksha Kawach extends this option.
Critical Illness
If you're ever diagnosed with a critical illness, you would want your insurance policy to pay a fixed sum that can help you deal with any monetary obligations and financially support your needs during treatment. Poorna Suraksha Kawach extends critical illness benefit without too many restrictions and pays up to 50 lakhs so long as you are diagnosed with one of the 42 illnesses listed in the policy brochure.
Customisable
In case of diagnosis of any of the mentioned critical illness, lump sum rider benefit is paid to the policyholder.
Special Exit Value
Some insurance companies will return all your premiums if you surrender your policy before maturity, but this can only be possible if you have a policy tenure above a certain number of years and maintain consistent renewals for a minimum period specified by the insurer. This means you get all your premiums back, while being protected under the term plan during this time. Poorna Suraksha Kawach extends this option.
Add-ons of Poorna Suraksha Kawach
Accidental death and disability rider
This Rider pays out benefit in case of accidental total and permanent disability or death due to an accident.
Critical Illness
In case of diagnosis of any of the mentioned critical illness, lump sum rider benefit is paid to the policyholder.
Waiver of Premium
Waives all future premiums in case of critical illness or disability, while keeping the policy benefits active.
Accidental Death Benefit
Provides an additional payout in case of death due to an accident during the policy term.
Surgical Care
Provides lump sum benefit in case of hospitalization for a minimum period of 24 hours for undergoing medically necessary surgery in India.
Hospital Care
Provides lump sum benefit in case of hospitalization for a minimum period of 24 hours for undergoing medically necessary surgery in India.
Waiver of Premium
Some policies waive all future premium payments if you are ever disabled (due to accident) or diagnosed with a critical illness. Poorna Suraksha Kawach extends the waiver-of-premium option in both cases.
Exclusions in Poorna Suraksha Kawach
Conditions or treatments that the policy clearly says it will not cover.
Suicides are not covered in the first year.
Death due to intoxication.
If the nominee is involved in the death of the policyholder, that would not be covered.
The policyholder dies with respect to his involvement in criminal activity.
Death by suicide within the first policy year is not covered.
Disclaimer: For illustration purposes only - exact terms are in the policy wording.
Variants of Poorna Suraksha Kawach
Level Cover
On the Life Insured's death during the policy term, the nominee will receive a lump sum death benefit.
Return Of Premium
In case of death during the policy term, the chosen death benefit equal to the Sum Assured is paid. On survival till the end of the term, 100% of total premiums paid are returned to the policyholder.
Early ROP
Under this option, a lump sum equal to the Sum Assured is paid to the nominee on the Life Insured’s death during the policy term. You can choose a Retirement Age at policy inception based on your financial goals. If the Life Insured survives beyond this age, 100% of the total premiums payable are returned.
Level Cover plus Waiver of Premium on CI/TPD
Under this option, on the Life Insured’s death during the policy term, a lump sum equal to the Sum Assured is paid to the nominee. If diagnosed with a listed critical illness or total and permanent disability before age 65 during the premium payment term, all future premiums are waived.
Increasing Cover
Under this option, a lump sum equal to the applicable Sum Assured is paid to the nominee on the Life Insured’s death during the policy term, provided all premiums are paid. The Sum Assured increases every year by 5% or 10% (simple interest), as chosen at policy inception.
Sum Assured Reduction
Under this option, on the Life Insured’s death during the policy term, a lump sum equal to the applicable Sum Assured is paid to the nominee, provided all premiums are paid. After the chosen Retirement Age, the Sum Assured reduces annually by a fixed percentage.
What's missing in Poorna Suraksha Kawach
No Top-Up Option
No option to decrease your cover over time
No option to increase cover at life milestones
No Insta Payout Benefit
Reviews for Poorna Suraksha Kawach
A
Aishani Bajaj
Signed up for Poorna Suraksha Kawach discounts made it cheaper and terminal cover adds peace of mind Feels reliable Honestly For me For me overal
N
Neha C. Pandey
Opted for Poorna Suraksha Kawach terminal illness cover adds real peace of mind and rider options are solid for CI and disability Worth it overal
M
Mihir Das
Signed up for Poorna Suraksha Kawach riders ka combo acha hai CI disability bhi and terminal cover se family ko peace mila Satisfied ok overall
N
Nikhil Shetty
Took Poorna Suraksha Kawach online process was quick and paperless but digital dashboard could be smoother Overall okay No stress In short till
S
Sanya Patel
Went with this plan non smoker discount mila thoda paisa bacha and riders ka combo acha hai CI disability bhi Worth it Works well Works w so
Frequently Asked Questions
What is the Aditya Birla Sun Life Poorna Suraksha Kawach Plan?
What are the benefits of the Aditya Birla Sun Life Poorna Suraksha Kawach Plan?
What are the various riders and add-on benefits customers can opt for with the Aditya Birla Sun Life Poorna Suraksha Kawach Plan?
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