Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
InsurerSBI Life Insurance Company LimitedView source
Life's official catalogue lists these individual and group products under Life Insurance Company Limited.
- Source
- Life online plans and group insurance catalogue
- Page / section
- Life plan catalogue
- Accessed
- 23 Aug 2026
- Confidence
- high
SBI distribution channelSBI lists Sampoorn Suraksha among insurance products on its YONO Bachat page; the detailed contract is issued and administered by SBI Life.View source
lists Sampoorn Suraksha among insurance products on its Bachat page; the detailed contract is issued and administered by Life.
- Source
- Life - Sampoorn Suraksha policy booklet
- Page / section
- Bachat insurance listing
- Accessed
- 21 Aug 2026
- Confidence
- high
Insurance typeGroup life insuranceView source
The official claim form identifies a Sampoorn Suraksha non-employer scheme administered by Life.
- Source
- Life claim-process formats
- Page / section
- Sampoorn Suraksha Non Employer Scheme
- Accessed
- 21 Aug 2026
- Confidence
- medium
Key coverageLife cover under the applicable Sampoorn Suraksha policyView source
The claim form identifies a death benefit and sum-assured claim process.
- Source
- Life Sampoorn Suraksha
- Page / section
- Sampoorn Suraksha claim format
- Accessed
- 21 Aug 2026
- Confidence
- medium
Policy typeGroup non-linked, non-participating, pure-risk, one-year renewable life insurance product; UIN 111N040V04.View source
Group non-linked, non-participating, pure-risk, one-year renewable life insurance product; 111N040V04.
- Source
- Life - Sampoorn Suraksha policy booklet
- Page / section
- Part A, policy summary
- Accessed
- 21 Aug 2026
- Confidence
- high
Insurer and IRDAI registrationSBI Life Insurance Company Limited; IRDAI registration number 111.View source
Life Insurance Company Limited; registration number 111.
- Source
- Life - Sampoorn Suraksha policy booklet
- Page / section
- Part B, definitions
- Accessed
- 21 Aug 2026
- Confidence
- high
Eligible group structuresEmployer-employee and non-employer-employee group schemes are supported, subject to the applicable policy schedule.View source
Employer-employee and non-employer-employee group schemes are supported, subject to the applicable policy schedule.
- Source
- Life - Sampoorn Suraksha policy booklet
- Page / section
- Part A and Part C, policy schedule
- Accessed
- 21 Aug 2026
- Confidence
- high
Actively-at-work conditionEmployees must be actively at work on the date they join the scheme and satisfy all other eligibility criteria.View source
Employees must be actively at work on the date they join the scheme and satisfy all other eligibility criteria.
- Source
- Life - Sampoorn Suraksha policy booklet
- Page / section
- Part C, Eligibility Conditions
- Accessed
- 21 Aug 2026
- Confidence
- high
Recent health-leave conditionAn employee who was on medical leave or health-related leave of absence for 15 continuous days or more during the preceding 6 months is not eligible for initial entry; this condition does not apply to schemes transferred from another insurer.View source
An employee who was on medical leave or health-related leave of absence for 15 continuous days or more during the preceding 6 months is not eligible for initial entry; this condition does not apply to schemes transferred from another insurer.
- Source
- Life - Sampoorn Suraksha policy booklet
- Page / section
- Part C, Eligibility Conditions
- Accessed
- 21 Aug 2026
- Confidence
- high
Excluded employee classesTrainees, apprentices, domestic servants and employees continuing beyond retirement or the maximum insurable age are excluded unless the company explicitly accepts them before risk starts.View source
Trainees, apprentices, domestic servants and employees continuing beyond retirement or the maximum insurable age are excluded unless the company explicitly accepts them before risk starts.
- Source
- Life - Sampoorn Suraksha policy booklet
- Page / section
- Part B, definitions
- Accessed
- 21 Aug 2026
- Confidence
- high
Premium payment and refundPremiums follow the payment mode and due dates in the policy schedule. If a member ceases to be insured for a reason other than death, premium paid above the proportionate cover-period premium is refunded.View source
Premiums follow the payment mode and due dates in the policy schedule. If a member ceases to be insured for a reason other than death, premium paid above the proportionate cover-period premium is refunded.
- Source
- Life - Sampoorn Suraksha policy booklet
- Page / section
- Part C, Conditions precedent
- Accessed
- 21 Aug 2026
- Confidence
- high
Sum-assured basisThe sum assured is the amount specified in the certificate of insurance or list of insured members and determined under the policy schedule.View source
The sum assured is the amount specified in the certificate of insurance or list of insured members and determined under the policy schedule.
- Source
- Life - Sampoorn Suraksha policy booklet
- Page / section
- Part B and Part C, policy benefits
- Accessed
- 21 Aug 2026
- Confidence
- high
Free-cover limitThe free-cover limit is the sum assured available without individual risk assessment in eligible compulsory non-contributory schemes; cover above it requires satisfactory evidence of insurability and written acceptance.View source
The free-cover limit is the sum assured available without individual risk assessment in eligible compulsory non-contributory schemes; cover above it requires satisfactory evidence of insurability and written acceptance.
- Source
- Life - Sampoorn Suraksha policy booklet
- Page / section
- Part C, General provisions
- Accessed
- 21 Aug 2026
- Confidence
- high
Cover above free-cover limitUntil underwriting is completed and the required premium and taxes are paid, cover above the free-cover limit is restricted to that limit; medical tests may be required.View source
Until underwriting is completed and the required premium and taxes are paid, cover above the free-cover limit is restricted to that limit; medical tests may be required.
- Source
- Life - Sampoorn Suraksha policy booklet
- Page / section
- Part C, General provisions
- Accessed
- 21 Aug 2026
- Confidence
- high
Maximum insurer liabilityThe amount payable for an insured member cannot exceed the applicable sum assured.View source
The amount payable for an insured member cannot exceed the applicable sum assured.
- Source
- Life - Sampoorn Suraksha policy booklet
- Page / section
- Part C, General provisions
- Accessed
- 21 Aug 2026
- Confidence
- high
Increase in coverA salary- or grade-linked increase applies only where graded cover is stated in the policy schedule or endorsement; amounts above the free-cover limit require underwriting and may attract extra pro-rata premium. There is no automatic enhancement.View source
A salary- or grade-linked increase applies only where graded cover is stated in the policy schedule or endorsement; amounts above the free-cover limit require underwriting and may attract extra pro-rata premium. There is no automatic enhancement.
- Source
- Life - Sampoorn Suraksha policy booklet
- Page / section
- Part C, Increase in amount of insurance
- Accessed
- 21 Aug 2026
- Confidence
- high
Death benefitWhile the member's cover and master policy are in force, an admissible claim pays the applicable sum assured.View source
While the member's cover and master policy are in force, an admissible claim pays the applicable sum assured.
- Source
- Life - Sampoorn Suraksha policy booklet
- Page / section
- Part C, Policy benefits
- Accessed
- 21 Aug 2026
- Confidence
- high
Death-benefit settlementThe claimant may choose lump sum or equal instalments paid monthly, quarterly, half-yearly or yearly over 5 years. Instalment interest uses the 10-year benchmark G-Sec yield less 100 basis points, rounded to the nearest 25 basis points.View source
The claimant may choose lump sum or equal instalments paid monthly, quarterly, half-yearly or yearly over 5 years. Instalment interest uses the 10-year benchmark G-Sec yield less 100 basis points, rounded to the nearest 25 basis points.
- Source
- Life - Sampoorn Suraksha policy booklet
- Page / section
- Part C, Death benefit settlement
- Accessed
- 21 Aug 2026
- Confidence
- high
Terminal-illness benefitOnly if offered in an employer-employee scheme and shown in the policy schedule, a portion of death benefit may be accelerated. Terminal illness means a specialist-supported diagnosis expected to result in death within 180 days; the accelerated amount reduces the remaining death benefit.View source
Only if offered in an employer-employee scheme and shown in the policy schedule, a portion of death benefit may be accelerated. Terminal illness means a specialist-supported diagnosis expected to result in death within 180 days; the accelerated amount reduces the remaining death benefit.
- Source
- Life - Sampoorn Suraksha policy booklet
- Page / section
- Part C, Terminal Illness Benefit
- Accessed
- 21 Aug 2026
- Confidence
- high
Spouse coverOnly if selected by the master policyholder and shown in the schedule for an employer-employee scheme, a legally wedded spouse may receive the scheduled sum assured.View source
Only if selected by the master policyholder and shown in the schedule for an employer-employee scheme, a legally wedded spouse may receive the scheduled sum assured.
- Source
- Life - Sampoorn Suraksha policy booklet
- Page / section
- Part C, Spouse Cover Benefit
- Accessed
- 21 Aug 2026
- Confidence
- high
Convertibility optionWhere offered at employer-scheme level, a standard-life member may convert to an available individual plan without further proof of insurability, subject to the chosen plan's entry rules and the booklet conditions.View source
Where offered at employer-scheme level, a standard-life member may convert to an available individual plan without further proof of insurability, subject to the chosen plan's entry rules and the booklet conditions.
- Source
- Life - Sampoorn Suraksha policy booklet
- Page / section
- Part C, Convertibility Option
- Accessed
- 21 Aug 2026
- Confidence
- high
Convertibility conditionsConversion must be exercised within 30 days of leaving employment for reasons other than illness, ill-health retirement, fraud or misconduct; the group scheme must have at least one year of membership, the member must be no older than 50, and riders/
Conversion must be exercised within 30 days of leaving employment for reasons other than illness, ill-health retirement, fraud or misconduct; the group scheme must have at least one year of membership, the member must be no older than 50, and riders/options cannot be converted.
- Source
- Life - Sampoorn Suraksha policy booklet
- Page / section
- Part C, Convertibility Option
- Accessed
- 21 Aug 2026
- Confidence
- high
Converted-policy cover limitCover under the converted individual policy is the lower of the member's group cover and ₹10 lakh.View source
Cover under the converted individual policy is the lower of the member's group cover and ₹10 lakh.
- Source
- Life - Sampoorn Suraksha policy booklet
- Page / section
- Part C, Convertibility Option
- Accessed
- 21 Aug 2026
- Confidence
- high
Grace period15 days for monthly premiums and 30 days for quarterly or half-yearly premiums; no grace period applies to yearly payment mode. Cover remains in force during the applicable grace period if the policy is otherwise in force.View source
15 days for monthly premiums and 30 days for quarterly or half-yearly premiums; no grace period applies to yearly payment mode. Cover remains in force during the applicable grace period if the policy is otherwise in force.
- Source
- Life - Sampoorn Suraksha policy booklet
- Page / section
- Part C, Grace Period
- Accessed
- 21 Aug 2026
- Confidence
- high
LapseIf a premium remains unpaid after the applicable grace period, cover/master policy lapses and no benefits are payable under the lapsed policy.View source
If a premium remains unpaid after the applicable grace period, cover/master policy lapses and no benefits are payable under the lapsed policy.
- Source
- Life - Sampoorn Suraksha policy booklet
- Page / section
- Part C, Lapse
- Accessed
- 21 Aug 2026
- Confidence
- high
RevivalFor monthly, quarterly or half-yearly modes, coverage may be revived within the policy year from the first unpaid premium; coverage restarts on reinstatement and claims during the lapsed period are not covered. Revival is not applicable to yearly mode.View source
For monthly, quarterly or half-yearly modes, coverage may be revived within the policy year from the first unpaid premium; coverage restarts on reinstatement and claims during the lapsed period are not covered. Revival is not applicable to yearly mode.
- Source
- Life - Sampoorn Suraksha policy booklet
- Page / section
- Part C, Revival
- Accessed
- 21 Aug 2026
- Confidence
- high
Free-look periodThe master policy or certificate may be cancelled within 30 days of receipt by written request; if no claim has been made, premium is refunded after proportionate risk premium, stamp duty and medical-expense deductions.View source
The master policy or certificate may be cancelled within 30 days of receipt by written request; if no claim has been made, premium is refunded after proportionate risk premium, stamp duty and medical-expense deductions.
- Source
- Life - Sampoorn Suraksha policy booklet
- Page / section
- Part A and Part C, Free Look
- Accessed
- 21 Aug 2026
- Confidence
- high
NominationAn insured member may nominate, change or cancel a nominee before cover ends; a minor nominee may have an appointee, and nomination must be registered in the insurer's records to bind the insurer.View source
An insured member may nominate, change or cancel a nominee before cover ends; a minor nominee may have an appointee, and nomination must be registered in the insurer's records to bind the insurer.
- Source
- Life - Sampoorn Suraksha policy booklet
- Page / section
- Part C, Nomination
- Accessed
- 21 Aug 2026
- Confidence
- high
Optional ridersThe booklet lists optional group riders for accelerated core or extended critical illness, additional core or extended critical illness, accidental death, accidental partial permanent disability and accidental total permanent disability; each is subject to its own terms and UIN.View source
The booklet lists optional group riders for accelerated core or extended critical illness, additional core or extended critical illness, accidental death, accidental partial permanent disability and accidental total permanent disability; each is subject to its own terms and .
- Source
- Life - Sampoorn Suraksha policy booklet
- Page / section
- Part A, Riders and options
- Accessed
- 21 Aug 2026
- Confidence
- high
Claim documentsClaims may require death certificate, medical cause-of-death certificate, hospital records, nominee identity and relationship/legal-title proof, employer certificate and leave records; accidental-death claims may additionally require post-mortem, police/FIR, inquest or panchnama evidence.View source
Claims may require death certificate, medical cause-of-death certificate, hospital records, nominee identity and relationship/legal-title proof, employer certificate and leave records; accidental-death claims may additionally require post-mortem, police/, inquest or panchnama evidence.
- Source
- Life - Sampoorn Suraksha policy booklet
- Page / section
- Part C, Claim requirements
- Accessed
- 21 Aug 2026
- Confidence
- high
Grievance contactSBI Life provides a 24x7 toll-free number 1800 267 9090 and email wecare@sbilife.co.in; unresolved complaints may be escalated after the stated response periods.View source
Life provides a 24x7 toll-free number 1800 267 9090 and email wecare@sbilife.co.in; unresolved complaints may be escalated after the stated response periods.
- Source
- Life - Sampoorn Suraksha policy booklet
- Page / section
- Part C, Grievance redressal
- Accessed
- 21 Aug 2026
- Confidence
- high
Policy termOne-year renewable group life cover; the master policy renews annually, subject to its schedule and terms.View source
The policy summary identifies Sampoorn Suraksha as a one-year renewable group life-insurance product.
- Source
- Life Sampoorn Suraksha policy booklet
- Page / section
- Part A — policy summary
- Accessed
- 28 Aug 2026
- Confidence
- high
Sum assuredThe sum assured is the amount shown in the member's Certificate of Insurance or insured-member list and is determined under the applicable policy schedule; no universal amount is prescribed in the booklet.View source
The policy booklet defines the sum assured as the amount specified in the Certificate of Insurance or list of insured members and determined under the policy schedule.
- Source
- Life Sampoorn Suraksha policy booklet
- Page / section
- Part B and Part C — policy benefits and member schedule
- Accessed
- 28 Aug 2026
- Confidence
- high
Entry ageEmployer–employee group members: 18 to 79 years at entry; maximum cover-ceasing/
Life's current Sampoorn Suraksha single-pager publishes minimum entry age 18 years, maximum entry age 79 years, and maximum maturity age 80 years, with an -rules exception.
- Source
- Life Sampoorn Suraksha — official single-pager
- Page / section
- Plan Details — Employer–Employee Groups: Age at Entry and Maximum Age at maturity
- Accessed
- 29 Aug 2026
- Confidence
- high
Waiting periodThe policy schedule provides selectable waiting-period options of Not Applicable, 30 days, 45 days or 60 days; the applicable option is set in the issued master-policy schedule or certificate.View source
The 41-page policy booklet’s Customer Information Sheet lists the Waiting Period field as Not Applicable/30 days/ 45 days/ 60 days and makes the selected schedule applicable to the master policy or certificate.
- Source
- Life Sampoorn Suraksha policy booklet
- Page / section
- Customer Information Sheet, Page 7 — Exclusions and Applicable Clauses
- Accessed
- 29 Aug 2026
- Confidence
- high
Key exclusionsFor compulsory employer–employee schemes, the suicide exclusion does not apply. For other schemes, death by suicide within 12 months from the insured member’s risk commencement does not pay the death benefit; the claimant receives 80% of total premiums paid (excluding extra premium and explicitly collected taxes) while cover is in force. The accepted quotation and master-policy wording control the applicable clause.View source
The policy booklet distinguishes compulsory employer–employee schemes from other group schemes and states the 12-month suicide clause and 80% premium refund rule for the latter.
- Source
- Life Sampoorn Suraksha policy booklet
- Page / section
- Customer Information Sheet, Page 6 — Exclusions; Part C Clause II (16)
- Accessed
- 29 Aug 2026
- Confidence
- high
Geographic limitsLife cover under the applicable Sampoorn Suraksha policyView source
The manually reviewed product record states: “Life cover under the applicable Sampoorn Suraksha policy”.
- Source
- Life Sampoorn Suraksha — official product page
- Page / section
- Published product metadata
- Accessed
- 21 Aug 2026
- Confidence
- high
Benefits and features
- Death benefit equal to the applicable sum assured while the member and master policy are in force
- Optional lump-sum or instalment death-benefit settlement over 5 years
- Optional spouse cover, terminal-illness acceleration and convertibility under the policy schedule
- Free-look cancellation within 30 days, subject to the booklet deductions
- Nomination, nominee-change and minor-appointee provisions
Eligibility
- Group members must satisfy the policy schedule and eligibility conditions; employer-employee and non-employer-employee group structures are contemplated
- Employees must be actively at work when joining; a health-related leave of 15 continuous days or more in the preceding 6 months disqualifies an employee from initial entry unless the scheme is transferred
- Trainees, apprentices, domestic servants and employees beyond retirement or the maximum insurable age are excluded unless explicitly accepted
- Exact sum assured, free-cover limit, age range, exclusions, waiting period and premium are schedule/quotation specific
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- Death certificate and medical cause-of-death certificate
- Hospital records, where applicable
- Nominee identity and relationship or legal-title proof
- Employer certificate and leave records, where applicable
- For accidental death: post-mortem, police or , inquest or panchnama evidence, where applicable
Related official documents
SBI Life - Sampoorn Suraksha policy booklet, UIN 111N040V04official-policy-booklet · current · accessed 21 Aug 2026
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