Life is full of uncertainties, and financial security is important to fight against the ups and downs in life with a peaceful mind. A combination of health and life insurance gives you complete financial protection that will really provide for your family’s future. These two types of insurance work together to provide cover for your total security against medical and other emergencies.
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Let’s find out how health and life insurance combined offer complete protection and why these two form an unstoppable duo in their respective fields.
At its most basic level, it’s a financial safety net for your family in the event of your untimely passing. For example, a term insurance plan provides a simple way to ensure that your dependents may carry on living their usual lifestyle, wiping all or some of their debts, or even achieving long-term goals like education.
Life insurance not only provides peace of mind but also a lot of choices to customize your coverage. For example, with PNB MetLife’s Family Protection Plans, you can extend the coverage to meet your family’s special needs.
Health insurance covers expenses for illnesses or accidents that one might have contracted. That way, your savings remain intact, and you will not be exposed to high bills from hospitals. When picking which health insurance is best in India, ensure that it is widespread, has a huge network of hospitals, and other benefits that come with the coverage, such as free health check-ups and wellness programs.
With PNB MetLife Group Accidental Permanent & Total Disability Plus, you can now supplement your health coverage with benefits in sudden and unforeseen accidents or disabilities and protect both your health and livelihood.
If you buy health and life insurance combined, you’ll add one more layer of protection beyond just basic life or health insurance. Here’s how combining health and life insurance can help:
Though life insurance provides financial support upon death, health insurance will have you covered during life. This duo covers both planned and unforeseen financial needs, such as:
Life and health insurance together make long-term financial planning easy. For instance:
Consider consolidating your term insurance policy and an overall health policy to protect your life’s income and your health.
Relying entirely on one form of insurance leaves gaps in your financial plan. For instance, a life insurance policy won’t cover high medical expenses, and a health policy won’t provide for your family’s future in your absence. Combining health and life insurance ensures that no aspect of financial protection is overlooked.
You cannot deny the amazing benefits that health and life insurance combined can offer. Still, how do you pick the right insurance for you and your needs? Here’s some tips:
When thinking about what life insurance is, choose a term plan that provides adequate protection for your family’s lifestyle. Your sum assured needs to cover:
PNB MetLife’s Term Insurance Plans are tailored with adaptable options and affordable premiums that ensure your family’s financial well-being is always protected.
To decide which health insurance is best in India, compare policies based on the following factors:
Use a free BMI calculator online to learn about your health risk; thereby, you can choose insurance plans accordingly by evaluating your medical history.
You might already know the benefits that health insurance and life insurance provide independently. But do you know how beneficial they can be combined? Here’s how:
Life is full of uncertainties, and financial stability requires preparing for all contingencies. Be it an untimely death, a medical emergency, or long-term disability, with health and life insurance combined, your family will always be taken care of.
Combining life insurance with health insurance gives you the flexibility to design a tailored financial plan. For instance, combining a term insurance plan with riders like PNB MetLife Accidental Disability Benefit Rider and group disability benefits add layers of protection to your financial portfolio.
Both health and life insurance save taxes under Sections 80D and 80C of the Income Tax Act, respectively. From a financial point of view, these are very prudent decisions.
Knowing that you have taken care of your immediate healthcare needs and long-term financial security gives you peace of mind to focus on what matters the most—your family and well-being.
Here are some tips that will help you make the most out of the insurance that you choose:
A complete financial plan needs to balance health with life insurance. While health insurance secures your present by covering medical emergencies, life insurance guarantees that your family’s future is secured in your absence. Both combined form a strong shield against the uncertainties of life. After all, nothing is more reassuring than knowing you’ve protected your family, your health, and your future. So, don’t wait. Take charge of your financial well-being by exploring the right life insurance with PNB MetLife Insurance today!
Yes, you can purchase health and term insurance separately and combine them to create a comprehensive financial cover for medical and life protection.
No, health insurance covers medical expenses, while life insurance provides financial support to your family in your absence. They serve distinct purposes.
Combi insurance is a bundled policy offering both health and life insurance under one plan, ensuring comprehensive financial security in a single package.
Piyush Kataria, SEO Manager at PNB MetLife, is a seasoned digital marketing strategist with over a decade of experience in optimizing websites for search engines. His expertise extends to keyword research, content strategy, technical SEO, and link building, all of which have been instrumental in driving organic traffic growth at PNB MetLife. With a strong foundation in life insurance, Piyush leverages his industry knowledge to create targeted and effective SEO campaigns.
Sakshi Malhotra is a seasoned marketing professional associated with the Life Insurance industry since 2007. At PNB MetLife, she heads Digital Marketing and Direct to Customer line of business. She is responsible for driving effective customer engagement through the company’s website and social media channels. In addition, she drives customer online buying journeys to help them buy the right product.
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 | CIN U66010KA2001PLC028883
For more details on risk factors, please read the sales brochure and the terms and conditions of the policy, carefully before concluding the sale.
Tax benefits are as per the Income Tax Act, 1961, & are subject to amendments made thereto from time to time.
Please consult your tax consultant for more details.
Goods and Services Tax (GST) shall be levied as per prevailing tax laws which are subject to change from time to time.
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, 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.
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By submitting your details, you agree to PNB MetLife's Privacy Policy and authorize PNB MetLife and/or its authorized service providers to verify the above information and/or contact you to assist you with the policy purchase and/or servicing. You have the option to opt-out of this contact authorization by un-checking the box. The authorization provided by you herein will supersede all earlier authorizations/registrations made by you in this regard.
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