PNB MetLife Dhan Suraksha Yojna (Micro Insurance Product)

Name: PNB MetLife Bima Yojana
Brand: PNB MetLife
Rating: 4.7 (19234 reviews)

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Secure your family’s future with PNB MetLife Dhan Suraksha Yojna (Micro Insurance Product) – a simple, single premium plan that offers the dual benefits of guaranteed returns and life insurance coverage. This plan offers peace of mind today, while building a foundation for tomorrow, helping you take control of your financial well-being with confidence and ease.

PNB MetLife Dhan Suraksha Yojna (Micro Insurance Product) in a nutshell

Enjoy life insurance coverage for 5 or 10 years with a single premium payment.
Inbuilt Accidental Death Benefit which pays additional sum assured in case of accidental death.
Receive a guaranteed payout at the end of the policy term.
Get covered without the need for any medical examinations.
Access to financial support through a loan option in case of emergencies.

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What you don’t get

Suicide Exclusions

If the Life Assured commits suicide within twelve months from the Date of Commencement of risk or from the Date of Revival of the Policy, as applicable, the Nominee or bene¬ficiary of the Policyholder shall be entitled to receive at least 80% of the Total Premiums Paid and received by Us till the date of death of the Life Assured or Surrender Value available as on the date of death of the Life Assured, whichever is higher, provided the Policy is in In-force status. We shall not be liable to pay any interest on this amount.

Accidental Death Benefit

For Accidental Death Benefit, the life assured will not be entitled to any accidental benefits directly or indirectly due to or caused, occasioned, accelerated or aggravated by any of the following:

Suicide: If the death was due to suicide.
Self-inflicted injury: Intentional self-inflicted injury.
War, terrorism, invasion, act of foreign enemy, hostilities, civil war, martial law, rebellion, revolution, insurrection, military or usurper power, riot or civil commotion. War means any war whether declared or not.
Taking part in any naval, military or air force operation during peace time.
Committing an assault, a criminal offence, an illegal activity or any breach of law with criminal intent.
Engaging in or taking part in professional sport(s) or any hazardous pursuits, including but not limited to, diving or riding or any kind of race; underwater activities involving the use of breathing apparatus or not; martial arts; hunting; mountaineering; parachuting; bungee jumping.
Alcohol or Solvent abuse or taking of Drugs, narcotics or psychotropic substances unless taken in accordance with the lawful directions and prescription of a registered medical practitioner.
Participation by the insured person in any flying activity, except as a bonafide, fare paying passenger or pilot and cabin crew of a commercially licensed airline.
Nuclear contamination: The radioactive, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or accident arising from such nature.

Frequently Asked Questions

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What is PNB MetLife Dhan Suraksha Yojna (Micro Insurance Product)?

PNB MetLife Dhan Suraksha Yojna (Micro Insurance Product) – a simple, single premium plan that offers the dual benefit of Guaranteed Returns & Life Insurance coverage. Designed to bring peace of mind and financial stability. With PNB MetLife Dhan Suraksha Yojna (Micro Insurance Product), you can focus on what truly matters: the well-being and happiness of your loved ones.

What are the key benefits of this plan?

Enjoy life insurance coverage for 5 or 10 years with a single premium payment.
Inbuilt Accidental Death Benefit which pays additional sum assured in case of accidental death.
Receive a guaranteed payout at the end of the policy term.
Get covered without the need for any medical examinations.
Access to financial support through a loan option in case of emergencies.
Easy to understand & quick to purchase with minimal paperwork.

What is the Death benefit payable under this plan?

Death benefit

In case of death of the life insured, we shall pay the higher of the following:

Sum Assured on Death defined as 1.25 times Single Premium or;
Surrender value payable as on the date of death

Accidental Death Benefit: If the Death of Life Assured happens due to an accident and is within 180 days from the date of accident, an additional amount of 1.25 times the Single Premium shall be payable. Accidental Death Benefit shall be paid even in case when accident happens during the policy term and death occurs beyond the policy term but happens within 180 days from the date of the Accident.

An Accident is defined as “A sudden, unforeseen and involuntary event caused by external, visible and violent means”.

The policy is terminated upon payment of the Death Benefit.

What is the Maturity benefit payable under this plan?

Maturity benefit

In case of survival of the life assured till the end of the policy term, Maturity Benefit will be Single premium × Maturity Sum Assured Factor.

Maturity Sum Assured Factors are –

Premium(Rs.)	Policy Term (years)	Factors
<10,000	5	126.12%
> =10,000	5	127.63%
<10,000	10	162.89%
>=10,000	10	166.81%

What are the eligibility Criteria for this plan?

Eligibility Criteria	Parameters
Age¹ at entry (Years)	18 Years – 50 Years
Age¹ at Maturity (Years)	23 Years – 60 Years
Annualized Premium (Rs.)	Rs. 5,000 – Rs. 1,00,000
Basic Sum Assured	1.25 x Single Premium
Minimum Sum Assured	Base Death benefit: Rs.6,250 Accidental Death Benefit: Rs.6,250
Maximum Sum Assured	Base Death benefit: Rs.1,25,000 Accidental Death Benefit: Rs.1,25,000
Premium Paying Term (PPT) (Years)	Single Pay
Policy Term (Years)	5 & 10 years

¹All reference to age are as on age last birthday.

How can I buy PNB MetLife Dhan Suraksha Yojna (Micro Insurance Product)?

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Disclaimer:

Tax benefits are as per the Income Tax Act, 1961 & are subject to amendments made thereto from time to time. Please consult your tax consultant for more details

For more details on risk factors terms and conditions, please read the sales brochure carefully before concluding any sale. PNB MetLife Dhan Suraksha Yojna (Micro Insurance Product) | UIN: 117NxxxV01

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