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    How is Mera Mediclaim Plan Different from Other Mediclaim Policy?

    Last Updated On 08-07-2020

    Healthcare is one aspect that is mostly under-utilized in most parts of India. Even today, many individuals are quite averse to visiting doctors for a regular check-up, and a large portion of this reluctance is due to the out-of-the-pocket medical expenditure. However, it is observed that the individuals who are covered under health insurance or a mediclaim policy are very liberal with their health check-ups and consultations. So, it can be said that financial well-being plays a major role in assessing the general medical condition of your body.

    Moreover, if a mediclaim policy also offers life coverage, the incentive and willingness to purchase increases manifold. The PNB MetLife combi plan – Mera Mediclaim Plan, is one such policy that can provide you with some unique combination benefits that are absent in most other health insurance plans or mediclaim policies. But before getting into the benefits, let us explore the combinations aspects of the plan.

    Unique Aspects of Mera Mediclaim Plan

    The PNB MetLife combi plan offers health insurance coupled with a complete life insurance package. The term for life cover starts from 10 years and can go up to a maximum of 40 years. In addition, it has a minimum age of sum assured of ₹25 lakhs with a maximum maturity age up to 80 years. Furthermore, this life cover is made more attractive because this comes with a lifelong health insurance portion renewal benefit.

    The basic sum assured for the health cover ranges from ₹5 lakhs to ₹15 lakhs depending on the type of plan. In addition, the maximum age for entry is 65 years, which is same for both medical and life insurance. The best part of Mera Mediclaim Plan is its lifelong continuous renewal option for the health portion.  This renewal option provides for a constant financial cover in case of any health crisis that may emerge in your life.

    Now that the plan has been briefly discussed, we can have a look at some of its benefits.

    1. An All-Encompassing Cover

      The Mera Mediclaim Plan offers you protection against most health emergencies, be it in OPD or day-care expenses that include 541+ procedures. In addition, it also includes pre and post-hospitalization costs, medical check-ups, ambulance costs, donor, floater charges, etc. Furthermore, unlike other medical insurance plans, it does not have any sub-limit for ICU. With a network of over 4500+ hospitals spread across India; comprehensive family health protection is ensured with this plan.
    2. Fits Your Pocket Easily

      The cost of the premium, in this case, is very economical as compared to both the premiums of life cover and mediclaim insurance, when each of them is taken separately. In addition, these plans provide you with a discount of 7.5% on both the health as well as life components.
    3. Complete Protection from Terminal Illness

      The integrated Terminal Illness cover with an upper limit of ₹25 lakhs is available along with life insurance to safeguard you as well as your family from all kinds of critical diseases.
    4. NCB and Super NCB

      The PNB MetLife Combi Plan provides you optimum returns with an extensive No Claim Bonus (NCB) as well as Super No Claim Bonus. The NCB ensures that the sum assured is increased by 10% with every claim-free year with a maximum limit of up to 50%, while the super NCB adds to the sum assured by 50% on every claim-free year with a maximum of 100%.
    5. Dual Protection with a Double Sum

      Another unique feature of this health insurance plan is its ability to double the sum insured in case of accidental hospitalization. This is provided when the policyholder is admitted to a hospital for emergency care at the event of an unfortunate accident.
    6. Alternative treatment

      Unlike most other mediclaim policies, this policy provides a cover of up to ₹30,000 for alternative procedures and treatment that comes under traditional medicine that includes Ayurveda, Unani, Siddha and Homeopathy.

    PNB MetLife has been in the insurance business since 2001, which makes it a trusted name in the market. Additionally, with a high claim settlement ratio, the combi plan gets more credibility to it. Furthermore, the comprehensive nature of the combi plan and its affordable premiums makes it the best insurance that you can have. Contact the support team for details or get a quote from the website today.


    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.

    Mera Mediclaim Plan is an Non-Linked, Non Participating, Combi Insurance Plan (UIN: 117Y102V01). It is advised to familiarize yourselves with the policy benefits and policy service structure of the ‘Mera Mediclaim Plan’ before deciding to purchase the policy. Please read the sales brochure carefully before concluding any sale. This product is jointly offered by 'PNB MetLife India Insurance Company Limited' and 'Religare Health Insurance Company Limited'. PNB MetLife is lead insurer for this product. The risks of this ‘Mera Mediclaim Plan’ are distinct and are assumed / accepted by respective insurance companies as per their underwriting guidelines. The liability to settle the claim vests with respective insurers, i.e., for health insurance benefits 'Religare Health Insurance Company Limited' and for life insurance benefits 'PNB MetLife India Insurance Company Limited'. The policyholders of the ‘Mera Mediclaim Plan' are eligible to continue with either part of the policy, discontinuing the other during the policy term. Goods and Service Tax (GST) shall be levied as per the prevailing tax laws which are subject to change from time. 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. Cash payment is not eligible for tax benefit under Sec 80D of Income Tax Act, 1961.
    Religare Health Insurance Company Limited Regd. Office -  5th Floor, 19, Chawla House, Nehru Place, New Delhi-110019 | IRDAI Regd. No.: 148 CIN - U66000DL2007PLC161503. Correspondence Address -  Vipul Tech Square, Tower C, 3rd Floor, Sector – 43, Golf Course Road, Gurgaon – 122009 Call:1800-102-4488|1860-500-4488

    PNB MetLife India Insurance Company Limited - Regd. Office : Unit Nos. 701, 702 & 703, 7th Floor, West Wing, Raheja Towers, # 26/27, M.G. Road, Bengaluru – 560 001. IRDAI Regd. No.: 117 CIN.: U66010KA2001PLC028883 Phone: 080–6600 6969, Fax: 080 – 25585815, Email: Write to us at: Office Unit No. 101, 1st Floor, Techniplex-1, Techniplex Complex, off Veer Savarkar Flyover, S V Road Goregaon (West), Mumbai – 400 062, Phone: 022 4179 0000, Fax: 022 - 41790203
    The marks “PNB” and “MetLife” are the 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.
    Religare is a registered trademark of  RHC Holding Private Limited used under license by Religare Enterprises Limited and its subsidiaries. 


    • 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.


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    As your trusted life insurance partner, PNB MetLife is with you amidst the current COVID-19 outbreak. Our policies also cover COVID-19 Claims. In case of a Death Claim, kindly submit the signed Claim Intimation Letter mentioning the policy number, brief of the insured event and other claim documents on the email mentioned herewith. Please write-in to us at or You can also call us on 1800-425-6969 for death claims intimations and for any queries on Monday - Saturday between 10:00 am - 7:00 pm.

    PNB MetLife Insurance, amongst the trusted Life Insurance companies in India, aims to provide a wide range of Life Insurance products that suits the needs of an individual at every stage of his life. Life Insurance Plans range from Term Life Insurance PlansTerm PlanProtection PlansLong Term Savings Plans , Retirement Plans & Child Education Plan.

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