With the constant shift in our lifestyle, more and more people moving to the cities and taking up the urban way of life, the prevalence of lifestyle diseases are on growing trajectory. There is never a better time to be more careful. Critical Illness Insurance is a type of policy where the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the specific illness on a predetermined list agreed upon in the policy.

It is apt to get a critical illness cover as a second financial buffer after your family health plan or basic health insurance plan. Critical Illness Insurance policies give you the additional financial benefits and provide a lump sum amount to cover the costs incurred during treatment and care, recuperation aids and even offer funds in case you are not in a position to earn money due to your health problem.

The critical illness insurance plan is advisable after the age of 40, but it is valuable to have oneself covered with the critical illness cover even before since the risk of illness is less and so are the premiums. Better safe than sorry is not just a saying in the world of financial security for your future, in the event of a health disorder that can possibly topple your life upside down, in the absence of a source of income. 

In addition to your complete financial stability in the occurrence of an illness the health insurance plan also includes other advantages for the policy holder. The most evident of which would be the tax benefits one gets out of holding a CI policy under the provision of the Income Tax Act of India. Consult your tax advisor for more details on this. 

This should explain to you the merits of having a critical illness cover over your family health plan. Get insured today!

Get insured today! Visit PNB MetLife to know more about Term Insurance & Term Plan

Whether you are trying to lose weight or making a shift towards a healthy life, understanding your BMI (Body Mass Index) is one of the first necessary steps you can make. The BMI calculator can indicate your body’s fat content based on your weight and height. Once you have a clear view of this, you can go through different health insurance plans on the PNB website and secure your future financially against the growing healthcare costs. 

Disclaimer: 
The aforesaid article presents the view of an independent writer who is an expert on financial and insurance matters. PNB MetLife India Insurance Co. Ltd. doesn’t influence or support views of the writer of the article in any way. The article is informative in nature and PNB MetLife and/ or the writer of the article shall not be responsible for any direct/ indirect loss or liability or medical complications incurred by the reader for taking any decisions based on the contents and information given in article. Please consult your financial advisor/ insurance advisor/ health advisor before making any decision.

PNB MetLife India Insurance Company Limited, Registered office address: Unit No. 701, 702 & 703, 7th Floor, West Wing, Raheja Towers, 26/27 M G Road, Bangalore -560001, Karnataka.
IRDAI Registration Number 117. CI No: U66010KA2001PLC028883. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding the sale.
The marks “PNB” and “MetLife” are registered trademarks of Punjab National Bank and Metropolitan Life Insurance Company, respectively. PNB MetLife India Insurance Company Limited is a licensed user of these marks.
Call us Toll-free at 1-800-425-6969. Phone: 080-66006969, Website: www.pnbmetlife.com, Email: indiaservice@pnbmetlife.co.in or Write to us: 1st Floor, Techniplex -1, Techniplex Complex, Off Veer Savarkar Flyover, Goregaon (West), Mumbai – 400062, Maharashtra. Phone: +91-22-41790000, Fax: +91-22-41790203

BEWARE OF SPURIOUS PHONE CALLS AND FICTIOUS /FRAUDULENT OFFERS
• IRDAI is not involved in activities like selling policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.