PNB MetLife India Insurance Company Limited
Regular Term Plans
Regular Term Plans

Mera Mediclaim Plan

Mera Mediclaim Plan is an Individual, Non-Linked, Non-Participating, Pure Risk Premium, Combi Insurance Plan.


Mera Mediclaim Plan

With Mera Mediclaim Plan, PNB MetLife Insurance (PMLI) and Care Health Insurance Limited (Formerly known as Religare Health Insurance Company Limited) have joined hands so that you can secure your loved ones against rising living expenses and health expenses, allowing them to live their lives to their absolute best. Help them live the life you envision for them, even in your absence.

Mera Mediclaim Plan in a nutshell
1. Life cover with inbuilt Terminal Illness Rider
2. Family Cover under health benefit
3. 7.5% discount on premiums
4. Up to 150% increase in Sum Insured with NCB & NCB - Super
5. Automatic recharge of Sum Insured

What you get

Life Cover

Secure your family in the event of your absence due to natural causes or terminal illness, so they can live life comfortably.

In Patient Hospitalisation

Get covered for comprehensive in-patient hospitalization and for 540+ day-care treatments.

No Claim Bonus

Haven't made a claim in 5 years? Get up to 150% increase in Sum Insured in 5 claim-free years

7500+ network hospitals

Get cashless hospitalization at over 7500 network hospitals across India.

The best of Health Benefits


The most essential medical expense need, covered with a comprehensive plan.

Under this plan, you will be covered for:

1. Pre-hospitalisation for a maximum of 30 days
2. Post-hospitalisation for a maximum of 60 days
3. Domiciliary Hospitalisation for up to 10% of the sum insured

Health check up

Keep your loved ones in the pink of health with regular health check-ups covered under this plan.

Our prime concern is your good health! To ensure this, we provide you preventive care, over and above the amount of Sum Insured. Our annual check-up benefit covers,

1. An annual health check-up at our Network Provider or other Service Providers specifically impaneled with us to provide the services in India
2. All Insured Persons covered under the Policy, on a cashless basis.
3. One check up per year per Insured Person.


In an emergency, you shouldn't have to worry about expenses. Just your health.

Our aim is to ensure that you get the medical attention that you require as soon as possible, especially in an emergency.
To make sure that your needs are met:

1. We will pay you up to a specified amount per hospitalisation
2. Payment will be done for expenses incurred on an ambulance service
3. We will also pay your necessary transportation fares from one hospital to another hospital
4. Payment is ensured for advanced/better equipped medical support/aid required for rescuing your health condition.

Organ donation

Secure yourself against organ transplant expenses with a cover for organ donation.

We care about those who help you as much as we care for you. So, beyond ensuring that your medical needs are met, we will:
1. Pay you up to a specified amount for medical expenses incurred by you towards your organ donor
2. Payment will be made for medical expenses while undergoing the organ transplant surgery
3. The donation needs to conform to the Transplantation of Human Organs Act 1994 (amended).


Get covered for alternative medical therapies from our network hospitals.

At times, a combination of conventional medical treatment and alternative therapies quicken & aid the process of recovery. Our Alternative Treatments Benefit covers:

1. Medical expenses incurred by you towards your in-patient admission in a Government Hospital or in any institute recognized by Government.
2. Ayurveda, Unani, Siddha, and Homeopathy.

Partnership with Care Health Insurance Limited
1. PNB MetLife Insurance (PMLI) and Care Health Insurance Limited (Formerly known as Religare Health Insurance Company Limited) have joined hands to help you in protecting you and your family's health and ensuring a secure financial future for your loved ones. Mera Mediclaim Plan is a solution that offers you the benefits of both health and life insurance in a single plan. It's simple, comprehensive and flexible. The health insurance benefit under the plan is offered by Care Health Insurance Limited (Formerly known as Religare Health Insurance Company Limited) and the life cover is offered by PNB MetLife India Insurance Company Limited. Our dual benefit insurance plan has been crafted through our partnership with one of India's most trusted health insurance brands, Care Health Insurance Limited (Formerly known as Religare Health Insurance Company Limited). Through this alliance we aim to help families live a fulfilling life without fear of debt, medical expenses, or financial hardships so they can fulfil their dreams and achieve their goals.

What you don't get

Suicide Exclusions

If the Life Assured's death is due to 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 beneficiary of the Policyholder shall be entitled to 80% of the total Premium paid till the date of death under the Policy death or Surrender Value available as on the date of death, whichever is higher, provided the Policy is in In force status. We shall not be liable to pay any interest on this amount.

Alcohol or Drug Abuse

If the life insured has passed away or suffers health complications due to alcohol or drug usage, misuse or abuse, the claim is not considered valid.

Pregnancy & Infertility

Expenses that arise from treatment for pregnancy & childbirth, miscarriage, abortion, in vitro fertilisation & infertility are not covered under this plan

Congenital Disease

We do not cover expenses that arise due to treatment of external congenital disease


Mera Mediclaim Plan does not cover expenses that arise due to injuries incurred or hospitalisation due to war, riots, or nuclear weapons.

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