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    How Are Health Insurance Plans | PNB Metlife


    How is a health insurance plan different from a mediclaim policy?

    Last Updated On 12-09-2016

    Though the terms health insurance and mediclaim policy are used interchangeably, there are still some outlining differences between the two. A mediclaim is specific to hospitalization expenses, a health insurance is on the other hand more comprehensive and covers beyond hospitalization.

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    The differences are given below;

    1. (a) A mediclaim only covers hospital related expenses.
      (b) A health insurance plan may also cover pre and post hospitalization charge, ambulance charges and compensation for all lost income. 
    2. (a) Mediclaim works on the principle of indemnity wherein the hospitalization expenses incurred by the insured are reimbursed to him.
      (b) A health insurance plan works on the principle of benefits according to which a lump sum is given to the insured in case of an eventuality.
    3. (a) In case of a Mediclaim the insured is allowed to make ‘n’ number of claims until the sum insured is exhausted.
      (b) Whereas in case of a health insurance plan, you can only make a claim once, since in case of an eventuality a lump sum is paid to the insured. Once claimed, there is no question of another claim.

    To conclude, both the policies serve different purposes and play different roles, therefore it is advisable to have both. A mediclaim policy helps you to pay your bills, whereas a health insurance policy offers you a comprehensive health cover. In case of an eventuality, you can bank on your health insurance policy, whereas a mediclaim would reimburse you for your recurring health expenses.

    PNB MetLife has launched a health insurance PNB MetLife Mera Mediclaim Plan which is combination of health insurance and life insurance.

    Visit website to know more on Mera Mediclaim Plan, term plan and term insurance.

    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.

    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. CI No: U66010KA2001PLC028883. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding the sale.
    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

    • 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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