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Click 2 Protect Life Option Super
₹ 1181monthly
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Pay For : 5/6/7/8.../Policy Term - 1 Years
PNB MetLife Mera Term Plan Plus is a comprehensive term plan that ensures life cover for your loved ones in the case of your unfortunate death. You have the option to include coverage for your spouse in the same plan. Additionally, you can choose to receive your premiums back if you survive until the end of the policy term or customize your plan with coverage enhancement options.
Term Plans
PNB MetLife Mera Term Plan Plus is one of the best term insurance plans available in the current times. Below mentioned are its key feature:
Choose your payment method based on your needs:
Pay for a limited period (5, 10, 15, 20 years) or until age 60.
Pay once for complete protection throughout the term.
Pay regularly throughout the policy term.
Decide on the coverage duration: Stay protected for your entire life (coverage up to age 99) or choose a specific term.
Select the type of protection:
Life: Coverage against death.
Life Plus: Coverage against death, terminal illness, with future premiums waived upon accidental permanent disability or diagnosis of critical illnesses.
Life Plus Health: Coverage against death, terminal illness, with future premiums waived upon accidental permanent disability or diagnosis of critical illnesses, along with an accelerated lump sum on the diagnosis of critical illnesses.
Customize your plan with additional options:
'With Return of Premium' option to receive premiums back on survival until maturity.
'Spouse Coverage' to protect your spouse within the same plan.
Enhance your protection with 'Cover Enhancement Options' to adjust your life cover as you progress in life.
Choose your benefit payout option:
Lump sum: Receive the benefit as a one-time payment.
Monthly Income: Receive a level monthly income for 10 years.
Lump sum plus Monthly Income: Receive a part of the benefit as a lump sum and the rest as a level monthly income for 10 years.
Enhance your coverage through 4 riders:
PNB MetLife Serious Illness Ride
PNB MetLife Accidental Disability Benefit Rider
PNB MetLife Accidental Death Benefit Rider Plus
PNB MetLife Critical Illness Rider
Enjoy tax benefits as per the existing tax laws.
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The HDFC Life Click 2 Protect Life Plan is designed to provide benefits that match your changing lifestyle and specific requirements, ensuring you and your loved ones are financially protected. With 3 plan options and the added benefit of Waiver of Premium upon diagnosis of Critical Illness, you can now cover higher life risks at affordable premiums.
Below mentioned are the key features of the HDFC Life Click 2 Protect Life Plan:
3 Plan Options to choose from:
Life & CI Rebalance: This option provides a balanced coverage between Death and Critical Illness benefits as you progress through life. Critical Illness coverage increases annually, while the Life Cover decreases accordingly. Additionally, if any covered Critical Illness is detected, all future premiums are waived, and the Life Cover continues.
Life Protect: With this option, a lump sum payment is provided upon the death of the insured individual.
Income Plus: Under this option, the Life Assured is covered for the entire policy term and also receives a lump sum payout upon maturity, along with regular income starting from age 60.
Offers comprehensive financial protection for your family
Choose a plan option that suits your specific needs from the three available
Automatically adjusts Death and Critical Illness benefits as you age
Receive your income payouts from the age of 60 with the Income Plus Option.
Option to have coverage for the whole of life.
Get all premiums paid back on survival until maturity with the Return of Premium option.
Premiums are waived off upon the diagnosis of Critical Illness (through the WOP CI option).
Additional Sum Assured on Accidental Death (through the ADB option).
Special premium rates available for females and non-tobacco users.
Enjoy tax benefits under the ITA, 1961.
Below mentioned is a comparison of the eligibility criteria of the PNB MetLife Mera Term Plan Plus and HDFC Life Click 2 Protect Life Plans:
| Parameters (Min. to Max.) | PNB MetLife Mera Term Plan Plus | HDFC Life Click 2 Protect Life |
| Entry Age | 18 years to 60 years | 18 years to 65 years |
| Maturity Age | 80 years | 85 years |
| Policy Term | 10 years to 49 years | 5 years to 67 years |
| Sum Assured | Rs. 50 Lakhs to 1 Crore | Rs. 50 Lakhs to 20 Crores |
| Premium Payment Modes | Monthly,Half-yearly, Annually | Monthly,Quarterly, Half-yearly, Annually |
It is always wise to compare your term insurance plans before you buy them. This way, you will know which plan better suits your requirements and life goals. Policybazaar allows you to compare and choose the best plan from amongst 15+ term plans, thus, ensuring that your loved ones’ financial security is not hampered.
Term insurance is essential because it provides financial security for your loved ones in case of your untimely death. It ensures they can cover expenses like loans, education, and daily living costs, even in your absence. Comparing term insurance policies from different insurers helps you find the best coverage at the most affordable price, tailored to your specific needs.
When comparing term insurance policies from two of the top Indian insurers like Pnb Met Mera Term Plan Plus And Hdfc Click 2 Protect Life Insurance, consider factors like the premium amounts, the sum assured, and the policy tenure. Look at the claim settlement ratios to understand how reliable each insurer is in paying out claims. Additionally, check for any riders or additional benefits offered, such as critical illness rider or accidental death benefits.
To simplify this process, you can use Policybazaar's comparison tool. This tool allows you to quickly and conveniently compare various term insurance policies side-by-side. It highlights key differences, benefits, and costs, helping you make an informed decision without the hassle of manually researching each policy.
†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
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