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    Choose a Protection Plan that Covers Covid-19 Claims

    Last Updated On 16-06-2021

    Covid-19 has changed the way people approach various aspects of life, from work to health and wellbeing. Most importantly, the unpredictable nature of the virus and the high medical costs have forced everyone to rethink how money is managed. Ensuring financial security through life insurance is on top of the list.

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    Insuring your loved ones is now more important than ever, especially if you are the only breadwinner in the family. Moreover, you want to make sure the policy covers death due to Covid-19. If you are seeking a protection plan but are not sure which one to buy, then we are here to help you. A term plan is a cost-effective form of insurance that takes care of your family’s financial needs in your absence.

    What are Term Insurance Plans?

    Term insurance is the purest form of life insurance that provides a death benefit to the insured. In simple words, a term plan secures your family’s financial future in case of your unfortunate demise. In these uncertain times, having term insurance is imperative as it provides coverage to your loved ones in unforeseen circumstances. But that's not all. Getting one enables you to enjoy several term insurance benefits ranging from affordable premiums to riders option.

    Considering the impact of the coronavirus on the livelihood of people, insurers provide coverage against the risk of the disease. Most term insurance plans cover death due to Covid-19. Plus, the ease of availability online enables you to insure yourself with a few clicks.

    Why Choose A Term Plan?

    You can find a plethora of term insurance plans available online. The best term insurance plan covers risk to life due to Covid-19 and offers various benefits that allow you to make the most of your insurance cover. Let’s have a look at some of the term insurance benefits.

    • Complete Life Cover:
      As mentioned before, term insurance is a pure form of life cover that provides for your family when you are no longer around. One of the features that makes it a lucrative option is the whole life coverage. It offers comprehensive coverage till the age of 99 years. In case you pass away any time during the tenure of the policy, even if it is due to Covid-19, your family remains protected.
    • Affordable Premiums:
      This is one of the major term insurance benefits that draws more and more people to opt for this type of insurance. Being a simple form of insurance, it comes with lower premiums as compared to other kinds of insurance, making it a suitable choice for even youngsters and those with a low budget. In fact, the earlier you buy, the better it is. As the chances of health risks are low when you are young, you can avail yourself of lower premium rates.
    • Higher Coverage:
      Considering the nature of a term plan, you get a higher sum assured in comparison with other plans like traditional whole life or ULIP. Unlike other insurance policies, all your premiums go toward the death benefit. Getting a substantial cover, including death by Covid-19, for affordable premiums makes it a great option in these times.
    • Critical Illness Cover:
      Studies suggest that chronic diseases like cancer, cardiovascular conditions, diabetes, etc., are leading causes of death. Since term insurance plans are often accompanied by riders, along with a cover against Covid-19, a term plan offers protection against the financial burden caused due to these diseases in the form of a critical illness rider.


    The affordability and the coverage, which includes Covid-19 claims, makes a term plan the best choice in these difficult times. PNB MetLife provides a range of term insurance policies to cater to your unique needs. Apart from the benefits mentioned above, it carries various other features such as more rider options, flexible payout terms, spouse coverage, child education benefit, to name a few.



    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.
    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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