Individual, Non-Linked, Non-Participating, Pure Risk, Life Insurance Plan | UIN: 117N141V01
PNB MetLife DigiProtect Term Plan is designed to match the way life really unfolds —flexible, thoughtful, and future-ready. From offering immediate financial support during difficult times to valuing every role within a family, it brings you peace of mind today and security for tomorrow. With the option to step away and get back what you’ve invested, it puts you in control of your financial journey. And if life takes an unexpected turn, it ensures your loved ones receive timely support, without delays. It’s more than just protection—it’s the confidence to live boldly, knowing the future is in safe hands.
By submitting your details, you agree to PNB MetLife's Privacy Policy and authorize PNB MetLife and/or its authorized service providers to verify the above information and/or contact you to assist you with the policy purchase and/or servicing. You have the option to opt-out of this contact authorization by un-checking the box. The authorization provided by you herein will supersede all earlier authorizations/registrations made by you in this regard.
Premium Break
Option to defer the payment of a due Premium for a period of 12 consecutive months from the next Instalment Premium due date independent of Policy Anniversary, while maintaining the full risk cover under the Policy.
Special Exit Value
Option to exit the Policy and receive 100% of Total Premiums Paid back as Special Exit value as per the terms and conditions.
Express Claim Payout
Ensures quick financial support of Rs 3 lacs as an accelerated benefit within 1 working day from claim registration date for the nominee to manage urgent expenses during a difficult time.
Early Payout on Terminal Illness
Accelerated payment of Death Benefit in case of diagnosis of Terminal Illness.
Benefit Payout Option
Empowers the nominee with choice to receive the benefit in a manner that best suits their financial situation – either as Lumpsum, Monthly Income or Lumpsum plus Monthly Income.
Enhanced Affordability
Offers discount on first year premium, providing customers with a cost-effective start to their protection journey.
Claim Settlement Ratio for Individual Business
We have settled 99.57%* of claims received for individual business and 99.72%* for the group business for FY 2024-25. *Please visit IRDAI website www.irdai.gov.in for further details.
What you don’t get
Suicide Exclusion
In case of death due to suicide within 12 months from the Date of Commencement of Risk under the Policy or from the date of Revival of the Policy, as applicable, the nominee or beneficiary of the policyholder shall be entitled to at least 80% of the Total Premiums Paid till the date of death, provided the Policy is in force.
Total Premiums Paid means total of all the premiums paid under the base product, excluding any extra premium and taxes, if collected explicitly.
In the unfortunate event of the death or diagnosis of Terminal Illness of Life Assured any time during the Policy Term, provided the Policy is in-force, ‘Sum Assured on Death’ shall be payable to the Claimant as per the Benefit Payout option chosen at the time of the claim.
Where, ‘Sum Assured on Death’ is higher of:
Payment of the above benefit shall be made on the first occurrence of either death or diagnosis of Terminal Illness, whichever is earlier.
The Death Benefit shall not be payable if the Terminal Illness Benefit has previously been paid.
The Policy terminates with the payment of 100% of the Death or Terminal Illness claim amount.
There is no Maturity Benefit payable under this plan
| Particulars | Minimum | Maximum |
|---|---|---|
| Age* at entry | 18 years | For Regular Pay, Limited Pay (10,15, 20): 60 years For Pay till 60: 49 years |
| Maturity Age* | 28 years | 85 years |
| Policy Term | Regular Pay: 10 years Limited Pay- 10,15,20 Years & Pay till 60: PPT + 1 Year |
67 years |
| Sum Assured | Rs. 50,00,000 | No Limit, subject to Board Approved Underwriting Policy (BAUP) |
| Premium Paying Term | Regular Pay Limited Pay- 10,15, 20 Years, Pay till 60 |
|
| Premium Payment Mode | Annual, Half-Yearly, Quarterly and Monthly** | |
*All references to age are as on age last birthday
**Monthly mode is available for Standing instruction/direct debit options (including Electronic Clearing System (ECS), and Automated Clearing House (ACH)
Premium Break option is allowed to be exercised after completion of three (3) Policy Years from the Date of Commencement of Risk provided all due Instalment Premiums have been paid in full and the Policy is in-force.
Premium Break Benefit may be exercised multiple times during the Policy Term, subject to a minimum interval of five (5) Policy Years between two successive Premium Breaks. If You exercise the Premium Break in the last 5 years of the Policy, then the next Premium Break shall not be allowed. Further, this Benefit shall not be available during the last year of the Premium Paying Term.
5% discount on First-Year Premium is applicable for Salaried Customers
4% discount on First-Year Premium is applicable for Income Tax Filers.
12% discount on First-Year Premium is applicable for customers purchasing through the online channel.
Disclaimers:
PNB MetLife DigiProtect Term Plan (UIN: 117N141V01) is an Individual, Non-Linked, Non-Participating, Pure Risk, Life Insurance Plan.
By submitting your details, you agree to PNB MetLife's Privacy Policy and authorize PNB MetLife and/or its authorized service providers to verify the above information and/or contact you to assist you with the policy purchase and/or servicing. You have the option to opt-out of this contact authorization by un-checking the box. The authorization provided by you herein will supersede all earlier authorizations/registrations made by you in this regard.
By submitting your details, you agree to PNB MetLife's Privacy Policy and authorize PNB MetLife and/or its authorized service providers to verify the above information and/or contact you to assist you with the policy purchase and/or servicing. You have the option to opt-out of this contact authorization by un-checking the box. The authorization provided by you herein will supersede all earlier authorizations/registrations made by you in this regard.
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.
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