How is Mera Mediclaim Plan Different from Other Mediclaim Policy?

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.