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SBI Life Sampoorn Suraksha Riders

Riders / Add-On Plans – Additional Coverage Under The SBI Life Sampoorn Suraksha Plan

Under the SBI Life Sampoorn Suraksha plan, life assured policy members can choose from a number of add-on riders that are available to enhance the protection provided by this plan, not only to the employees but also their dependents. The riders offered with this plan include the following.

SBI Life - Group Rider - Accident and Sickness Total & Permanent Disability Under this rider, the Sum Assured will be payable in the event that the life assured is rendered completely and permanently disabled following a disease, accident or sickness.
SBI Life - Group Rider - Accidental Death Under this rider, the Sum Assured will be payable in case the life assured policy holder passes away following an accident.
SBI Life - Group Rider - Accidental Total Permanent Disability Under this rider, the Sum Assured will be payable in case the life assured policyholder is rendered totally and permanently disabled following an accident.
SBI Life - Group Rider - Accidental Partial Permanent Disability Under this rider, the Sum Assured will be payable if the Life assured policyholder is rendered partially, permanently and irrevocably disabled following an accident.
Critical Illness (CI) Riders SBI Life also offers a number of critical illness riders as a part of the Sampoorn Suraksha plan. These include:
  • SBI Life - Group Rider - Accelerated - Core Critical Illness
  • SBI Life - Group Rider - Accelerated - Extended Critical Illness
  • SBI Life - Group Rider - Additional - Core Critical Illness
  • SBI Life - Group Rider - Additional - Extended Critical Illness
  • The Critical Illness rider is available in an ‘Accelerated’ or ‘Additional’ format.
  • If rider is under the additional format, if the life assured survives for a period of 30 days after suffering a critical illness, an amount equal to the rider Sum Assured is payable while the full Basic Sum Assured will be paid after they have passed away.
  • If rider is under the accelerated format, the Critical Illness Sum Assured shall be payable when the covered critical illness is contracted or on early death. The remainder of Life Cover Sum Assured (if any) will be paid following death.
  • The ‘Core’ version of the rider will cover major illnesses/conditions/treatments like cancer, heart attack, stroke, Coronary Artery Bypass Surgery (CABG), kidney failure and major organ transplant.
  • The ‘Extended’ versions of the rider will cover, in addition to the conditions mentioned in the previous point, Major Burns Paralysis, Aorta Surgery and Heart Valve Surgery.
  • The Critical Illness Benefit will not be payable if the life assured is diagnosed with any listed illness within 90 days from the date of policy commencement or from the date of entry of the insured policy