PNB MetLife Mera Heart and Cancer Care
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Key Benefits of PNB MetLife Mera Heart and Cancer Care

  • 1

    Inbuilt life cover

  • 2

    Zero survival period

  • 3

    Pay outs at different stages of illness

  • 4

    Return of Premium (net of claims paid)*

Overview

PNB MetLife Mera Heart and Cancer Care is a tailor-made plan to provide you with comprehensive cover against all stages of cancer and heart diseases.

With PNB MetLife Mera Heart and Cancer Care

  1. Decide to cover yourself against Cancer, Heart or both diseases, and get lump sum pay outs at Mild, Moderate and Severe stages of illness
  2. Get waiver of future premiums for next 5 policy years on first diagnosis of Mild or Moderate conditions covered under the policy
  3. Opt for additional monthly income in case of severe stage claim (Platinum Plan)
  4. Choose to get the balance of your premiums back on maturity, less claims, with ‘Return of balance premium’ option
  5. Get inbuilt Life Cover and Terminal Illness cover, from day 1.
  6. Special benefits for Women – Female specific cancers covered, at special rates for women

Product Benefits

Lump sum pay outs at mild, moderate and severe stages 

  • 25% of Sum insured at mild stage, 50% at moderate stage and 100% at severe stage of illness^^
  • The benefits payable at each stage will be less any claims paid in the earlier stages

Premium Waiver Benefit

Death Benefit

Death benefit is payable on earlier occurrence of either Death or diagnosis of Terminal Illness.
Death benefit will be Sum insured on death less any critical illness claims paid.

^^Any payment made in the mild stage is subject to a maximum of Rs 6,00,000, while payments in the moderate stage are subject to a maximum of Rs 12,00,000. Payments in the severe stage shall always be 100% of sum insured for Heart cover/Cancer cover (as applicable), less payments made in prior stages.

*With Return of Balance Premium option

Monthly Income Benefit (only for platinum Plan)

After a severe stage claim, an additional monthly income benefit of 1.5% of sum insured is paid, for five years, from the date of claim.

Maturity Benefit

If you choose the ‘Return of Balance Premium’ option, you will receive the sum of all premiums, less critical illness claims already paid, at the end of chosen policy term. 

No maturity benefit will be paid under ‘without return of balance premium’ option.

 

Minimum

Maximum

Sum Insured - Cancer Cover (Rs)

5,00,000

40,00,000

Sum Insured - Heart Cover (Rs)

5,00,000

40,00,000

Sum Insured - Heart and Cancer Cover (Rs)

10,00,000

80,00,000

Entry age (years)#

18

65

Maturity age (years)#

28

75

Policy term (years)

10/15/20

10/15/20

Premium Payment Term

Equal to policy term

Equal to policy term

Premium Payment Modes

Yearly / Half Yearly / Monthly*

Yearly / Half Yearly / Monthly*

# All references to age are as on age last birthday
*Monthly mode is available for SI/direct debit options (including ECS, ACH)
In case of Heart and Cancer cover being taken, the sum insured chosen is split equally between sum insured for Cancer cover and sum insured for Heart cover.

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