eShield in one table
| Insurer | SBI Life Insurance Company Limited |
|---|---|
| Sum insured | From ₹35 lakh, moving in multiples of ₹1 lakh. The upper limit is set by underwriting. |
| Entry age | From 18 years |
| Cover runs to | Up to 80 years under level cover |
Claim settlement and complaint figures are IRDAI-published and held centrally by NYVO, not taken from the insurer's marketing.
What eShield does, and what it does not
Term insurance is a narrow product, so the useful question is not how this plan scores against a benchmark – it is what it pays for and what it leaves out. Both lists come from SBI Life's own documents.
Which variant should you take?
This plan is sold in more than one form, and the choice is made once at purchase. Picking the wrong one is not something you can quietly correct later, so it is worth a minute now.
The sum assured stays flat for the whole term and the policy can run to age 80.
The sum assured rises through the policy term so cover keeps pace with costs. Costs more from the start.
eShield exclusions: what the plan will not pay for
Every policy carries exclusions, and they are the clauses people read for the first time at claim stage. These are the ones worth knowing before you buy.
Where eShield falls short
No plan is right for everyone, and a page that only lists strengths is not much use to you. These are the gaps we would raise on a call before recommending it.
eShield questions, answered
How much cover does eShield offer?
From ₹35 lakh, moving in multiples of ₹1 lakh. The upper limit is set by underwriting.
Who can buy eShield?
Entry to eShield runs from 18 to 65 years. Cover can run to age 80, which is the maximum maturity age on this plan. What you are actually offered still depends on your income, health and any cover you already hold.
What does eShield not cover?
Like every term plan, eShield excludes suicide within 12 months of policy commencement or revival – the payout is limited to a return of premiums, per the standard clause. Read the policy wording for the exact percentage. The policy wording you are issued is the contract.
Read it from the insurer
We summarise. The policy wording is the contract, and it is the only document that settles a dispute. These links go to the insurer's own pages.
Understand the terms before you commit
A plan page tells you what this policy does. These explain why each term matters and what it costs you when it is missing.
Other SBI Life plans we have read
SBI Life files these separately, and the terms differ between them. If you are choosing within the range, compare the waiting periods and the exclusions rather than the sum insured.