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    Various Benefits of Mediclaim Plan

    Last Updated On 09-08-2021

    Your health is your most important asset. The secret to a happy life is a healthy body. Hence, you must take care of your health. But the rising cost of medical care in the country can burn a big hole in your pocket. The rate of medical inflation is higher than the general inflation rate, which means healthcare expenses will shoot up even further. Purchasing a comprehensive Mediclaim policy is a smart way to keep your finances in check.

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    When you buy mediclaim insurance, you can cover your recurring medical expenses as well as get the best treatment possible without being financially stressed about the hospital bills.

    In today’s time, it is wise for you to buy a sound mediclaim policy to create a financial shield for you and your family. A mediclaim insurance covers all expenses related to hospitalisation, ambulance, consultation fees and more.

    Here are some of the top benefits of buying a mediclaim policy:

    • Coverage against medical expenses: A mediclaim policy is an ideal investment to safeguard your finances against sharply rising medical expenses. Your mediclaim policy will cover you against a wide range of health-related expenses, such as hospitalisation costs, pre-and-post hospitalisation costs, day-care expenses, hospital room charges, doctor consultation fees, ambulance charges, organ transplant expenses and more. Some mediclaim policies also provide coverage for alternative medical therapies - Ayurveda, Yoga, Naturopathy, Unani, Siddha, Sowa-Rigpa and Homoeopathy (AYUSH).
    • Cashless treatment: Most insurance providers give you the cashless claim facility in a mediclaim insurance policy. In such an arrangement, you do not have to make any out-of-pocket payments for your medical expenses incurred. The hospital bills will be directly paid to the hospital by the insurance company. However, to avail of this benefit, you must get your treatment from one of the network hospitals of the insurance provider. In a network hospital, you only have to show your mediclaim insurance card to enjoy the cashless facility.
    • Add-on riders: Mediclaim insurance plans allow you to enhance your insurance coverage by opting for riders at an additional premium. Riders such as personal accident coverage, permanent total disability, accidental death, etc., enable you to improve your mediclaim insurance reach.
    • Improved health: The primary objective of mediclaim insurance is to help you remain in good health. For this purpose, mediclaim policies also offer regular healthcare check-up benefits. A sound mediclaim policy covers regular health check-ups in the plan. This helps you and your family remain in the pink of health. Regular health check-ups enable you to keep your health vitals in check and identify any early symptoms of diseases, enabling proactive and preventive treatment.
    • Tax exemptions: The mediclaim insurance policies are given tax exemption for premiums paid under Sections 80D of the Income Tax Act, 1961. This means that your mediclaim policy covers your healthcare expenses as well as allows you to avail tax deductions on your investments.

    Given the uncertain times and increasing healthcare risks, investing in a sound mediclaim policy is a wise choice. Sound mediclaim insurance plans also give you dual coverage – life insurance along with a mediclaim policy – to ensure you can adequately cover both your living expenses and medical costs.

    Know more about term plan, term insurance and life insurance at PNB MetLife.

    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. 


    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. 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

    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.
    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, Phone: 080-66006969, Website:, Email: 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 Fictitious / Fraudulent Offers!
    IRDAI is not involved in activities like selling insurance policies, announcing bonus or investments of premium. 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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