A life insurance can go to the extra mile and can provide more than just financial protection. Now ensure all your life goals are met at every stage.
A life insurance can go to the extra mile and can provide more than just financial protection. Now ensure all your life goals are met at every stage.
A life insurance can go to the extra mile and can provide more than just financial protection. Now ensure all your life goals are met at every stage.
A life insurance can go to the extra mile and can provide more than just financial protection. Now ensure all your life goals are met at every stage.
A life insurance can go to the extra mile and can provide more than just financial protection. Now ensure all your life goals are met at every stage.
A life insurance can go to the extra mile and can provide more than just financial protection. Now ensure all your life goals are met at every stage.
A life insurance can go to the extra mile and can provide more than just financial protection. Now ensure all your life goals are met at every stage.
A life insurance can go to the extra mile and can provide more than just financial protection. Now ensure all your life goals are met at every stage.
A life insurance can go to the extra mile and can provide more than just financial protection. Now ensure all your life goals are met at every stage.
A life insurance can go to the extra mile and can provide more than just financial protection. Now ensure all your life goals are met at every stage.
Over the past two decades, as a leading insurance provider in India, we have been responsible for the financial protection of countless families at every stage of their lives.
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Philosophy for offering Insurance coverage to Persons with Disability and mental illness diseases
The purpose is to lay down a broad philosophy to offer insurance coverage to 'Person with Disabilities' and ‘people with Mental illness’ keeping in mind the larger principle of ensuring that there is no discrimination bias as per the Mental Health Act 2017
To ensure that the decision is in accordance with the underwriting policy and manual thereto, the following information will be considered whilst underwriting the proposal for insurance from applicants with disability and/or mental illness. The underwriting practice for these illnesses is similar to the practices followed for any other medical conditions. (Eg: Diabetes, Heart Disease etc.)
The intent is to ensure that every applicant is underwritten basis risk assessment as per the board approved underwriting policy under which it is also established that there is no discrimination in granting insurance coverage.
The insurance and reinsurance underwriting manuals have detailed evidence-based guidelines for most of the conditions and will be referred to for making an objective decision. In a rare case, where objective criteria is not defined in the manual, the application will be underwritten basis medical assessment & presentation of the case specifically ensuring that there is no discrimination or bias.
Philosophy for offering Insurance coverage to People affected by HIV/AIDS
The philosophy for offering Insurance coverages to people affected by HIV/AIDS is largely guided by the Standard Guidelines with respect to underwriting for people living with HIV or vulnerable to HIV/AIDS, formulated as per guidelines under the Human Immunodeficiency Virus and Acquired Immune Deficiency Syndrome (Prevention and Control) Act 2017.
Broad Guidelines for Underwriting-
To ensure fair risk assessment and equitable underwriting decision the following information will be considered whilst underwriting the proposal for health or Life insurance from applicants affected by HIV/AIDS.
The intent is to ensure that every applicant is underwritten on case merit based on the guidelines under the Underwriting policy and there is no discrimination in granting Health or Life insurance coverage to people affected by HIV/AIDS.
The onboarding of risk will be based on objective underwriting criteria and basis the risk represented, ensuring that there is no moral hazard.
Philosophy for offering insurance coverage to Transgenders Lives
The purpose of this document is to define the underwriting philosophy to offer health and life insurance coverage to both Standard and Sub-Standard 'Transgender Lives’ according to the provision of The Transgender Persons (Protection of Rights) Act, 2019.
To ensure fair risk assessment and equitable underwriting decision the following information will be considered whilst underwriting the proposal the proposal for health or life insurance from Transgender applicants.
The intent is to ensure that every applicant is underwritten on case merit based on the guidelines under the Underwriting policy and there is no discrimination in granting Health or Life insurance coverage to Transgender applicants.
The insurance and reinsurance underwriting manuals have detailed evidence-based guidelines for most of the conditions and will be referred to for making an objective and an unbiased decision.
As your trusted life insurance partner, PNB MetLife covers COVID-19 claims. In the event of a death claim, please submit a signed claim form mentioning the policy number, a brief description of the insured event, and all other mandatory claim documents to the email addresses provided below. You may write to us at claimshelpdesk@pnbmetlife.com or indiaservice@pnbmetlife.co.in. For death claim intimation or any queries, you can also call us at 1800-425-6969 (for customers calling from within India only), Monday to Saturday, between 10:00 am and 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 Plans, Term Plan, Protection Plans, Long Term Savings Plans , Retirement Plans & Child Education Plan.