{"uin":"117L142V02","name":"PNB MetLife Smart Platinum Pro","url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02","insurer":{"slug":"pnb-metlife-insurance","name":"PNB MetLife India Insurance Company Limited","url":"https://indiainsurances.com/insurer/pnb-metlife-insurance"},"line":"life","category":"ulip","category_name":"ULIPs (unit-linked plans)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"PNB MetLife Smart Platinum Pro is an individual, unit-linked, non-participating savings life insurance plan with Wealth, Wealth Plus, Goal Assured and Income Assured plan options. It has a 5-year lock-in period, a 30-day free-look period and offers the PNB MetLife Linked Accidental Death Benefit Rider.","analysis":{"state":"machine","analysed_at":"2026-10-20 07:30:14.005352+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Wealth","Wealth Plus","Goal Assured","Income Assured"],"display":"Wealth, Wealth Plus, Goal Assured and Income Assured","note":null,"quote":"The Policy offers 4 (Four) Plan Options, and Your chosen option is displayed in Policy Schedule ... Wealth Option – Death or Maturity Benefit ... Wealth Plus Option – Death or Maturity Benefit ... Goal Assured Option – Death & Maturity Benefit ... Income Assured Option – Death & Maturity Benefit","sources":[{"clause":null,"heading":"CUSTOMER INFORMATION SHEET/KNOW YOUR POLICY","page":4,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-customer-information-sheet-know-your-policy-2"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The policy schedule contains only a placeholder for Policy Term, such as <<PT>> years, and the document does not state the available policy-term range.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":"The document refers to the date of intimation for valuation and claim TAT, but does not state a deadline by which a claim must be intimated.","quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly filled and signed Claim form by Bonafide nominee","Copy of valid death certificate issued by local authority","Claimant's Current address proof & Photo identity proof of Bonafide nominee","PAN Card/ Form 60 of the Bonafide Nominee","Cancelled cheque / Copy of bank passbook of Bonafide nominee","Doctor’s Certificate prescribed in PNB MetLife Format","Copy of the First Information Report (FIR), Panchnama and Postmortem Report (PMR), Viscera report if applicable","Copy of the Final Police Investigation report (FPIR)/ Charge sheet if applicable","Obituary/Newspaper cutting","Complete Medical records for any treatment taken in past or at the time of death","Medical cause of death certificate","Employer Certificate - Only if Life Assured was a salaried individual","Updated bank details and cancelled cheque copy","Current address proof & Photo identity proof of the Policyholder","PAN Card or Form 60 of the Policyholder"],"display":"Death claim documents include claim form, death certificate, nominee KYC, PAN/Form 60, cancelled cheque/bank passbook and doctor’s certificate, with extra police/medical/employer documents depending on cause; maturity payout needs bank details, KYC and PAN/Form 60.","note":null,"quote":"1. Duly filled and signed Claim form by Bonafide nominee.\n2. Copy of valid death certificate issued by local authority.\n3. Claimant's Current address proof & Photo identity proof of Bonafide nominee.\n4. PAN Card/ Form 60 of the Bonafide Nominee.\n5. Cancelled cheque / Copy of bank passbook of Bonafide nominee.\n6. **Doctor’s Certificate prescribed in PNB MetLife Format ... • Copy of the First Information Report (FIR), Panchnama and Postmortem Report (PMR), Viscera report if applicable\n• Copy of the Final Police Investigation report (FPIR)/ Charge sheet if applicable\n• Obituary/Newspaper cutting ... • Complete Medical records for any treatment taken in past or at the time of death o Indoor Case papers o Death summary o Discharge summary\n• Medical cause of death certificate\n• **Employer Certificate - Only if Life Assured was a salaried individual ... a) Updated bank details and cancelled cheque copy;\nb) Current address proof & Photo identity proof of the Policyholder;\nc) PAN Card or Form 60 of the Policyholder;","sources":[{"clause":null,"heading":"Death Benefit","page":41,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-death-benefit"},{"clause":null,"heading":"6.6. Maturity Benefit Payout Procedure","page":42,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-6-6-maturity-benefit-payout-procedure"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"For cases not warranting investigation, claims settlement TAT is 15 days from the date of intimation of claim; for cases warranting investigation, it is 45 days from the date of intimation of claim.","display":"15 days from claim intimation; 45 days if investigation is needed","note":"Stated in the Customer Information Sheet.","quote":"Turn Around Time (TAT) for claims settlement and brief procedure (a) For cases not warranting investigation – 15 days from date of intimation of claim (b) For cases warranting investigation – 45 days from date of intimation of claim","sources":[{"clause":null,"heading":"CUSTOMER INFORMATION SHEET/KNOW YOUR POLICY","page":4,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-customer-information-sheet-know-your-policy-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Death caused due to Suicide within first 12 months"],"display":"Suicide within first 12 months is excluded from the normal death benefit; fund value is payable instead.","note":null,"quote":"Exclusions applicable to Death Benefit: Death caused due to Suicide within first 12 months. ... In case of death of the Life Assured, due to suicide within 12 (Twelve) months from the Date of Commencement of the Policy , or from the date of Revival of the Policy, as applicable, the Nominee or Beneficiary shall be entitled to the Fund Value, as available as on the date of intimation of death.","sources":[{"clause":null,"heading":"CUSTOMER INFORMATION SHEET/KNOW YOUR POLICY","page":4,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-customer-information-sheet-know-your-policy-2"},{"clause":null,"heading":"6.10. Suicide Exclusion","page":43,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-6-10-suicide-exclusion"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First approach PNB MetLife through its touch points: toll-free number, email, postal grievance department, website or branch. If not satisfied, write to the Grievance Redressal Officer at gro@pnbmetlife.co.in or the Gurugram address before escalating further.","display":"Level 1: PNB MetLife touch points; Level 2: Grievance Redressal Officer at gro@pnbmetlife.co.in","note":null,"quote":"For any complaint/grievance, approach any of Our following touch points:\n• Call 1800-425-69-69 (Toll free)\n• Email at indiaservice@pnbmetlife.co.in\n• Write to \"Grievance Redressal Department\", PNB MetLife India Insurance Co. Ltd., Unit no. 302, 3rd floor, Tower-3, Worldmark, Village Maidawas, Sector 65, District Gurugram, Haryana-122018\n• Online through Our website www.pnbmetlife.com\n• Our nearest PNB MetLife branch across the country\nLevel 2:\nIn case not satisfied with the resolution provided by the above touch points,:\n• Write to Our Grievance Redressal Officer at gro@pnbmetlife.co.in","sources":[{"clause":null,"heading":"Level 1","page":45,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-level-1"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_assured","label":"Sum assured","section":"Cover","meaning":"The minimum and maximum life cover, or the rule that sets it (for example 10 times the annual premium).","status":"quote-verified","value":"For Wealth, Sum Assured is the Sum Assured Multiple chosen multiplied by Annualized Premium or Single Premium. For Wealth Plus, it is the Sum Assured Multiple chosen multiplied by Annualized Premium, with the multiple reducing by 5 every 5 years until the minimum multiple of 7x for entry age 0 to 49 years and 5x for entry age 50 to 60 years. For Goal Assured and Income Assured, Sum Assured is 10 times Annualized Premium. Top-Up Sum Assured is 1.25 times the Top-Up Premium paid.","display":"Wealth: multiple × annualized/single premium; Wealth Plus: multiple × annualized premium, reducing by 5 every 5 years to 7x or 5x minimum; Goal/Income: 10 × annualized premium; top-up: 1.25 × top-up premium","note":null,"quote":"Sum Assured is Sum Assured Multiple chosen * Annualized Premium / Single Premium. ... Sum Assured is Sum Assured Multiple chosen * Annualized Premium.\n• Sum Assured Multiple chosen at Policy inception will decrease by 5 after every 5 years till the time it reaches the minimum Sum Assured Multiple, basis Age of entry criteria, that is, 7x for Age band- 0 to 49 years and 5x for Age band 50 to 60 years. ... Sum Assured is 10 * Annualized Premium. ... Sum Assured is 10 * Annualized Premium. Sum Assured Multiple chosen at Policy inception, remains the same throughout the Policy Term.\n• Top-Up Sum Assured is 1.25 times of the Top-Up Premium paid, if any.","sources":[{"clause":"9(a)(iii)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-9-a-iii"},{"clause":"9(a)(iii)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-9-a-iii-2"},{"clause":"9(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-9-a-3"},{"clause":null,"heading":"Plus","page":17,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-plus"}],"law":[]},{"key":"death_benefit","label":"Death benefit","section":"Cover","meaning":"What your family gets if you die during the term, and how it is calculated.","status":"quote-verified","value":"For Wealth and Wealth Plus, death benefit is the highest of fund value, sum assured less partial withdrawals in the last two years, or 105% of total premiums paid less such withdrawals, with separate top-up benefit if any. For Goal Assured, it is the higher of sum assured or 105% of total premiums paid, plus applicable top-up benefit and waiver of future premiums; for Income Assured, it is the higher of sum assured or 105% of total premiums paid, plus monthly income benefit, applicable top-up benefit and waiver of future premiums.","display":"Plan-wise death benefit: Wealth/Wealth Plus highest of fund value, adjusted sum assured or 105% premiums; Goal higher of sum assured or 105% premiums plus WOP; Income higher of sum assured or 105% premiums plus monthly income and WOP","note":"Top-up death benefit, where top-up premium is paid, is separately based on top-up fund value, top-up sum assured or 105% of top-up premiums, as applicable under the plan clauses.","quote":"In the event of death of the Life Assured during the Policy Term, We will pay the highest of the following amounts to the Claimant/Beneficiary ... The Fund Value (excluding Top-Up Fund Value, if any) as on the date of intimation of death; or ... The Sum Assured less all Partial Withdrawals ... iii) 105% of the Total Premiums Paid (excluding Top-Up Premiums, if any) up to the date of death less all Partial Withdrawals ... In the event of death of Life Assured during the Policy Term, We will pay the highest of the following amounts to the Claimant/Beneficiary ... • Sum Assured; or\n• 105% of the Total Premiums Paid (excluding Top-Up Premiums, if any) up to the date of death. ... any future Installment Premiums that would otherwise have been payable under the Policy by You shall be waived ... 1) In the event of death of the Life Assured during the Policy Term, We will pay the higher of the following amounts ... i) Sum Assured; or\nii) 105% of the Total Premiums Paid (excluding Top-Up Premiums, if any) up to the date of death. ... Monthly Income Benefit equal to the One Twelfth of the Annualized Premium i.e., “prevailing Annualized Premium/12”","sources":[{"clause":"9(a)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-9-a"},{"clause":"9(a)(i)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-9-a-i"},{"clause":"9(a)(ii)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-9-a-ii"},{"clause":"9(a)(iii)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-9-a-iii"},{"clause":"9(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-9-a-3"},{"clause":"9(b)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-9-b-3"},{"clause":"9(a)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-9-a-4"},{"clause":null,"heading":"Plus","page":17,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-plus"}],"law":[]},{"key":"maturity_benefit","label":"Maturity benefit","section":"Cover","meaning":"What you get if you survive to the end of the term.","status":"quote-verified","value":"On survival to the end of the policy term, the maturity benefit is the Fund Value in the Unit Account, including Top-Up Fund Value if any, determined using the NAV on the maturity date, subject to the plan conditions.","display":"Fund Value, including Top-Up Fund Value if any, on the Maturity Date","note":"Goal Assured and Income Assured also state that the maturity benefit can be payable to the beneficiary/claimant if the life assured dies during the policy term, with top-up fund value dealt with under the death benefit clause.","quote":"On survival of the Life Assured till the end of the Policy Term, provided the Policy is in In-Force Status and all due Installment Premiums are paid, We will pay the Maturity Benefit which is equal to the Fund Value in the Unit Account (including Top-Up Fund Value, if any) determined using the Net Asset Value on the Maturity Date. ... At the end of the Policy Term, provided the Policy is in In-Force Status We will pay the Maturity Benefit which is equal to the Fund Value in the Unit Account (including Top-Up Fund Value, if any) determined using the Net Asset Value on the Maturity Date.","sources":[{"clause":"9(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-9-b"},{"clause":"9(c)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-9-c-2"}],"law":[]},{"key":"premium_paying_term","label":"Premium paying term","section":"Premium","meaning":"For how many years you pay premiums.","status":"not-stated","value":null,"display":null,"note":"The policy schedule contains only a placeholder for Premium Payment Term, such as <<PPT>> years, and the document does not state the available premium-paying-term options.","quote":null,"sources":[],"law":[]},{"key":"maturity_age","label":"Maximum maturity age","section":"Eligibility","meaning":"The oldest age at which cover ends.","status":"not-stated","value":null,"display":null,"note":"The document does not state the maximum age at maturity.","quote":null,"sources":[],"law":[]},{"key":"suicide_clause","label":"Suicide clause","section":"Exclusions","meaning":"What is paid if death is by suicide within the first 12 months.","status":"quote-verified","value":"If death of the life assured is due to suicide within 12 months from commencement of the policy or revival, the nominee or beneficiary is entitled to the Fund Value available on the date of intimation of death. Charges other than fund management charges recovered after the date of death are added back to that fund value.","display":"Within 12 months: Fund Value as on date of intimation of death, with post-death charges other than FMC added back","note":null,"quote":"In case of death of the Life Assured, due to suicide within 12 (Twelve) months from the Date of Commencement of the Policy , or from the date of Revival of the Policy, as applicable, the Nominee or Beneficiary shall be entitled to the Fund Value, as available as on the date of intimation of death. Further, any Charges other than the Fund Management Charges (FMC) recovered subsequent to the date of death shall be added back to the Fund Value as available on the date of intimation of death.","sources":[{"clause":null,"heading":"6.10. Suicide Exclusion","page":43,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-6-10-suicide-exclusion"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 21","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 35","url":"https://indiainsurances.com/law/irdai-life-products-2024"}]},{"key":"surrender","label":"Surrender value","section":"Renewal and rights","meaning":"What you get if you stop the policy early, and from when.","status":"quote-verified","value":"The policy can be surrendered at any time during the policy term. During the 5-year lock-in period, fund value after discontinuance charge is transferred to the discontinued policy fund and paid only after the lock-in period; after lock-in, fund value is paid forthwith without discontinuance charges.","display":"Surrender anytime; during lock-in, proceeds payable only after 5 years; after lock-in, fund value paid without discontinuance charge","note":"Once surrendered, the policy is terminated and cannot be revived.","quote":"You have the right to Surrender this Policy at any time during the Policy Term by giving Us a written notice:\n• During the Lock-in Period, on receipt of intimation that You wish to Surrender the Policy, the Fund Value after deduction of applicable Discontinuance Charge, shall be transferred to the Discontinued Policy Fund and will be payable only upon the expiry of the Lock in Period of five years. ... • After the expiry of the Lock-in Period, on receipt of intimation that You wish to Surrender the Policy, the Fund Value will be paid by Us forthwith without deduction of the Discontinuance Charges as specified under Part E.","sources":[{"clause":null,"heading":"4.3 Surrender","page":24,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-4-3-surrender"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.1 to 26.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 26.4 and 26.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 27","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.3","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.16 and 1.17","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(1) to (3)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(4) and (5)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(A)(a)(6) to (9)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)(c)(V)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"paid_up","label":"Paid-up value","section":"Renewal and rights","meaning":"What cover continues if you stop paying premiums after a few years.","status":"quote-verified","value":"If premiums are discontinued during the lock-in period after the grace period, the fund value after discontinuance charge is moved to the discontinued policy fund and risk cover ceases. If premiums are discontinued after the lock-in period, the policy converts to paid-up status with paid-up sum assured equal to original sum assured multiplied by the ratio of premiums paid to premiums payable, and continues without rider cover.","display":"Before lock-in ends: risk cover ceases and fund moves to discontinued policy fund; after lock-in: reduced paid-up with proportionate sum assured","note":"The paid-up provisions are stated as not applicable if the Single Pay option is in force.","quote":"Upon expiry of the Grace Period, in case of Discontinuance of the Policy due to non-payment of Installment Premium, the Fund Value after deducting the applicable Discontinuance Charges, shall be credited to the Discontinued Policy Fund and the risk cover under the Policy, and any applicable Rider, shall cease. ... Upon expiry of the Grace Period, in case of Discontinuance of Policy due to non-payment of Installment Premium, after the Lock-in Period, the Policy shall be converted into a Paid-up Status with the Paid-up Sum Assured i.e., original Sum Assured multiplied by a ratio of the “total number of Installment Premiums paid” to the “original number of Installment Premiums payable as per the terms and conditions of the Policy. ... The Policy shall continue to be in Paid-up Status without Rider cover, if any.","sources":[{"clause":null,"heading":"4.2.1. Discontinuance of Policy during the Lock-in Period","page":21,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-4-2-1-discontinuance-of-policy-during-the-lock-i"},{"clause":null,"heading":"4.2.2. Discontinuance of Policy after the Lock-in Period","page":22,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-4-2-2-discontinuance-of-policy-after-the-lock-in"}],"law":[]},{"key":"revival","label":"Revival period","section":"Renewal and rights","meaning":"How long after lapsing you can restart the policy.","status":"quote-verified","value":"A discontinued policy can be revived within 3 consecutive complete years from the date of first unpaid premium, subject to underwriting and payment of all due unpaid premiums without interest or fee.","display":"3 consecutive complete years from the date of first unpaid premium","note":"Revival is subject to the company’s board-approved underwriting policy.","quote":"Revival Period | A period of 3 consecutive complete years from the date of first unpaid Premium. ... The Policyholder paying all due and unpaid Installment Premiums that would have been payable from the date of default to the proposed date of Revival without any interest or fee.","sources":[{"clause":null,"heading":"Reduced Paid-up Benefit","page":12,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-reduced-paid-up-benefit"},{"clause":null,"heading":"4.4 Policy Revival","page":25,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-4-4-policy-revival"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.6","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.7","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.28","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.39","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"policy_loan","label":"Policy loan","section":"Renewal and rights","meaning":"Whether you can borrow against the policy.","status":"quote-verified","value":"Loans are not allowed under this policy.","display":"Loans are not allowed","note":null,"quote":"Loans are not allowed under this Policy.","sources":[{"clause":null,"heading":"4.11 Loans","page":29,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-4-11-loans"}],"law":[]},{"key":"riders_available","label":"Riders available","section":"Cover","meaning":"Optional add-ons such as accidental death, critical illness or waiver of premium.","status":"quote-verified","value":["PNB MetLife Linked Accidental Death Benefit Rider (UIN: 117A024V01)"],"display":"PNB MetLife Linked Accidental Death Benefit Rider (UIN: 117A024V01)","note":null,"quote":"You may opt for the following Rider on commencement of the Policy. ... PNB MetLife Linked Accidental Death Benefit Rider (UIN: 117A024V01) - This Rider provides additional protection over and above the Death Benefit under this Base Policy in the event of the death of the Life Assured in an Accident.","sources":[{"clause":null,"heading":"3.2.4. Rider Benefit","page":19,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-3-2-4-rider-benefit"},{"clause":"9(a)","heading":"PNB MetLife Linked Accidental Death Benefit Rider (UIN","page":19,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-9-a-5"}],"law":[]},{"key":"section45","label":"Claims after 3 years (Section 45)","section":"Claims","meaning":"After 3 years a life policy cannot be questioned on any ground, and only for fraud with proof before that.","status":"quote-verified","value":"No life insurance policy can be called in question on any ground after 3 years from the date of issuance, commencement of risk, revival or rider, whichever is later. Within 3 years, it may be called in question on fraud or material misstatement grounds, with written communication of the grounds and materials.","display":"After 3 years, policy cannot be called in question on any ground; within 3 years, fraud or material misstatement rules apply","note":null,"quote":"No Policy of Life Insurance shall be called in question on any ground whatsoever after expiry of 3 yrs from a. the date of issuance of policy or b. the date of commencement of risk or c. the date of revival of policy or d. the date of rider to the policy whichever is later. ... On the ground of fraud, a policy of Life Insurance may be called in question within 3 years ... mentioning the ground and materials on which such decision is based. ... Life insurance Policy can be called in question within 3 years on the ground that any statement of or suppression of a fact material to expectancy of life of the insured was incorrectly made","sources":[{"clause":"01","heading":null,"page":55,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-01-3"},{"clause":"02","heading":null,"page":55,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-02-3"},{"clause":"06","heading":null,"page":55,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-06-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 45","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 10","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"tax_note","label":"Tax note in the document","section":"Premium","meaning":"What the document says about tax benefits. Not stated when it only says taxes are charged on the premium. Tax law changes; confirm separately.","status":"quote-verified","value":"Tax benefits on the policy are as per prevailing tax laws in India and amendments from time to time. The insurer will deduct, charge or recover taxes including GST at rates notified by the government, and tax laws are subject to change.","display":"Tax benefits as per prevailing tax laws; tax laws are subject to change","note":null,"quote":"The tax benefits on the Policy shall be as per the prevailing tax laws in India and amendments thereto from time to time. In respect of any payment made or to be made under or in relation to this Policy, We will deduct or charge or recover taxes including GST (service tax and other levies as applicable) at such rates as notified by the government or such other body authorized by the government from time to time. Tax laws are subject to change.","sources":[{"clause":null,"heading":"6.7. Taxation","page":42,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-6-7-taxation"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":null,"quote":"You may cancel the Policy by giving a written notice to Us within 30 days beginning from the date of receipt of the Policy Document, whether received electronically or otherwise, stating the reasons for Your objection, provided no claims has been made under this Policy.","sources":[{"clause":null,"heading":"4.1 Free Look Period","page":21,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-4-1-free-look-period"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":15},"display":"15 days for monthly mode; 30 days in all other cases","note":"Norm uses the shorter monthly-mode grace period; the grace period is 30 days for all other cases.","quote":"The Grace Period for payment of the premium for all types of life insurance policies shall be 15 days, where the Policyholder pays the Premium on a monthly basis and 30 days in all other cases.","sources":[{"clause":null,"heading":"3.3.2. Grace Period for other than single premium policies","page":20,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-3-3-2-grace-period-for-other-than-single-premium"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"not-stated","value":null,"display":null,"note":"The document does not state the minimum and maximum entry ages for buying this policy.","quote":null,"sources":[],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Single","Annual","Half Yearly","Quarterly","Monthly"],"display":"Single, Annual, Half Yearly, Quarterly and Monthly","note":"Monthly mode is available only for standing instructions/direct debit options including ECS and ACH.","quote":"You may opt to pay Installment Premiums by Single (where applicable), Annual, Half Yearly, Quarterly or Monthly mode subject to the minimum Annualized Premium under each mode.","sources":[{"clause":null,"heading":"3.3.3. Premium mode loading / Modal Factors","page":20,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-3-3-3-premium-mode-loading-modal-factors"}],"law":[]},{"key":"premium_type","label":"Premium payment type","section":"Premium","meaning":"Single premium, regular premium (every year of the term) or limited premium (fewer years than the term).","status":"quote-verified","value":["Single Pay","Regular Pay","Limited Pay"],"display":"Single Pay, Regular Pay and Limited Pay","note":"The premium modes clause also says Single is available where applicable.","quote":"In case of Single Premium Policies, the Policyholder has an option to Surrender the Policy any time. ... For Regular Pay & Limited Pay policies (other than 5 PPT), the Policyholder after completion of first 5 Policy Years and provided all due Premiums have been paid up to date, may request for a change in the Premium Paying Term","sources":[{"clause":"9(c)(ii)","heading":null,"page":24,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-9-c-ii"},{"clause":null,"heading":"4.10.2. Change in Premium Payment Term","page":28,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-4-10-2-change-in-premium-payment-term"}],"law":[]},{"key":"lock_in","label":"Lock-in period","section":"Renewal and rights","meaning":"Years before you can withdraw. ULIPs have a 5-year lock-in.","status":"quote-verified","value":{"unit":"years","amount":5},"display":"5 consecutive completed Policy Years","note":null,"quote":"Lock-in Period | The period of 5 consecutive completed Policy Years from the Date of Commencement of the Policy, during which the proceeds of the policies cannot be paid by Us to the Policyholder or to the Life Assured as the case may be, except in the case of death or upon the happening of any other contingency covered under the Policy.","sources":[{"clause":null,"heading":"Commencement of the Policy","page":10,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-commencement-of-the-policy"}],"law":[{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.1 and 40.1.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 40.1.5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 4","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 42","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Para 54.1 and 54.2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.22 to 1.24","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 4(B)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vii) to (ix)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 2(A)(vi)","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"funds","label":"Fund options","section":"Cover","meaning":"The investment funds you can choose and their risk.","status":"quote-verified","value":["Mid Cap Fund - Very High Risk","Flexi Cap - Very High Risk","Sustainable Equity Fund - High Risk","India Opportunities Fund - High Risk","Balanced Opportunities Fund - Medium Risk","Bond Opportunities Fund - Low Risk","Dividend Leaders Index Fund - Very High Risk","Multifactor Index Fund - Very High Risk"],"display":"8 funds: Mid Cap, Flexi Cap, Sustainable Equity, India Opportunities, Balanced Opportunities, Bond Opportunities, Dividend Leaders Index and Multifactor Index, with risks from Low to Very High","note":null,"quote":"1. | Mid Cap Fund (ULIF02501/01/18MIDCAP FUND117) | To provide long-term capital appreciation from an actively managed portfolio of diversified stocks from the midcap segment of the market | Equities | 60 – 100 | Very High Risk ... 2. | Flexi Cap (ULIF01315/12/09FLEXIC APFN117) | To generate long-term capital appreciation from an actively managed portfolio of diversified stocks across the market capitalization spectrum. | Equities | 60 – 100 | Very High Risk ... 3. | Sustainable Equity Fund (ULIF02610/12/21SUSTAI NFND117) | To focus on investing in select companies from the investment universe, which conduct business in socially and environmentally responsible manner while maintaining governance standards. | Equities | 60 – 100 | High Risk ... 4. | India Opportunities Fund ULIF02710/12/21INDOPPF UND117 | The fund will seek to generate wealth by investing in companies which will benefit from the evolving economic situation such as increasing digitization, strengthening economic reforms, strong focus on Atmanirbhar Bharat and Make-in-India. | Equities | 60 –100 | High Risk ... 5. | Balanced Opportunities Fund (ULIF02301/01/18BALAN CEOPP117) | To generate capital appreciation and current income through a judicious mix of investments in equities and fixed income securities. | Equities | 40 – 75 | Medium Risk ... 6. | Bond Opportunities Fund (ULIF02401/01/18BONDO PPORT117) | To provide higher accrual along with safety arising from high allocation to corporate bonds. The fund will invest up to 100% of the corpus in debt and money market securities. | Equities | 0 | Low Risk ... 7. | Dividend Leaders Index Fund (ULIF03916/01/26DIVIDE NDFN117) | To generate long-term capital appreciation by replicating the BSE 500 Dividend Leaders 50 Index (Customised). | Equities | 60 – 100 | Very High Risk ... 8. | Multifactor Index Fund (ULIF04215/06/26MULTIF ACTO117) | To generate long-term capital appreciation by replicating the Multifactor Index. | Equities | 60 – 100 | Very High Risk","sources":[{"clause":"Row 1","heading":"Mid Cap Fund (ULIF02501/01/18MIDCAP FUND117)","page":30,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-row-1-2"},{"clause":"Row 2","heading":"Flexi Cap (ULIF01315/12/09FLEXIC APFN117)","page":30,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-row-2-2"},{"clause":"Row 3","heading":"Sustainable Equity Fund (ULIF02610/12/21SUSTAI NFND117)","page":30,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-row-3-2"},{"clause":"Row 4","heading":"India Opportunities Fund ULIF02710/12/21INDOPPF UND117","page":30,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-row-4-2"},{"clause":"Row 5","heading":"Balanced Opportunities Fund (ULIF02301/01/18BALAN CEOPP117)","page":31,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-row-5"},{"clause":"Row 6","heading":"Bond Opportunities Fund (ULIF02401/01/18BONDO PPORT117)","page":31,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-row-6"},{"clause":"Row 7","heading":"Dividend Leaders Index Fund (ULIF03916/01/26DIVIDE NDFN117)","page":31,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-row-7"},{"clause":"Row 8","heading":"Multifactor Index Fund (ULIF04215/06/26MULTIF ACTO117)","page":31,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-row-8"}],"law":[]},{"key":"premium_allocation_charge","label":"Premium allocation charge","section":"Charges","meaning":"Part of each premium taken before investing.","status":"quote-verified","value":"Premium allocation charge is 3.00% of single premium in policy year 1. For other than single premium, it is 12.00% in year 1 for annual and non-annual modes, 9.75% annual or 5.25% non-annual in year 2, 4.00% in years 3-10, and Nil from year 11 onwards; top-up premium allocation charge is 2% of top-up premium.","display":"Single premium: 3.00% in year 1. Other than single premium: 12.00% year 1, 9.75%/5.25% year 2, 4.00% years 3-10, Nil year 11 onwards. Top-up: 2%.","note":null,"quote":"This is a percentage of the Premium appropriated towards Charges from the Premium received. This is a Charge levied at the time of receipt of Installment Premium and the balance Premium will be allocated to the Funds after deducting the Premium Allocation Charges as shown below. ... 1 | 3.00% | 12.00% | 12.00% ... 2 | NA | 9.75% | 5.25%\n2 NA | 9.75% | 5.25%\n3-10 | NA | 4.00% | 4.00%\n3-10 | NA | 4.00% | 4.00%\n11 onwards | NA | Nil | Nil ... The Premium Allocation Charge for Top-Up Premiums is 2% of Top-Up Premium.","sources":[{"clause":null,"heading":"5.5.1. Premium Allocation Charge","page":36,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-5-5-1-premium-allocation-charge"},{"clause":"Row 1","heading":"3.00%","page":36,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-row-1-3"},{"clause":"Row 2","heading":"NA","page":36,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-row-2-3"},{"clause":null,"heading":"5.5.1. Premium Allocation Charge","page":36,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-5-5-1-premium-allocation-charge-2"}],"law":[]},{"key":"policy_admin_charge","label":"Policy administration charge","section":"Charges","meaning":"Monthly charge deducted from your fund.","status":"quote-verified","value":"Policy administration charge is deducted monthly from fund value. For single premium policies it is 1.10% p.a. of the single premium from policy year 1 to policy year 10; for other than single premium policies it is 2.50% p.a. of annualized premium, increasing at 5% p.a. from the 6th policy year, capped at Rs 500 per month.","display":"Single premium: 1.10% p.a. of single premium up to year 10; other than single premium: 2.50% p.a. of annualized premium, increasing 5% p.a. from year 6; cap Rs 500 per month","note":null,"quote":"The following Policy Administration Charge would be deducted from the Fund Value at the beginning of each Policy month from the Unit Fund by cancellation of an appropriate Number of Units using the relevant NAV of these Units, irrespective of the receipt of due Installment Premium at the Premium Due Date. ... i) Single Premium Policies: The rate is 1.10% p.a. of the Single premium, starting from Policy Year 1 up to Policy Year 10 ... ii) Other than Single Premium Policies: The rate is 2.50% p.a. of the Annualized Premium, increasing at 5% p.a. starting from 6th Policy Year.\nPolicy Administration Charges would be deducted throughout the Policy Term. Under no circumstances this Charges would exceed Rs 500/- (Rupees Five Hundred only) per month.","sources":[{"clause":null,"heading":"5.5.2. Policy Administration Charge","page":36,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-5-5-2-policy-administration-charge"},{"clause":"Row 2(i)","heading":"Single Premium Policies","page":37,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-row-2-i"},{"clause":"Row 2(ii)","heading":"Other than Single Premium Policies","page":37,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-row-2-ii"}],"law":[]},{"key":"fund_management_charge","label":"Fund management charge","section":"Charges","meaning":"Yearly charge on fund value; capped at 1.35% by IRDAI.","status":"quote-verified","value":"Fund management charge is levied daily through NAV: Bond Opportunities 1.00% p.a.; Balanced Opportunities 1.15%; Flexi Cap 1.25%; Mid Cap 1.25%; Sustainable Equity, India Opportunities, Dividend Leaders Index and Multifactor Index 1.35%; Discontinued Policy Fund 0.50%.","display":"0.50% to 1.35% p.a., depending on fund","note":null,"quote":"The Fund Management Charge is levied as a percentage of the value of assets underlying the Segregated Fund and shall be appropriated by adjusting the Net Asset Value. ... Bond Opportunities Fund | ULIF02401/01/18BONDOPPORT117 | 1.00%\nBalanced Opportunities Fund | ULIF02301/01/18BALANCEOPP117 | 1.15%\nFlexi Cap | ULIF01315/12/09FLEXICAPFN117 | 1.25%\nMid Cap Fund | ULIF02501/01/18MIDCAPFUND117 | 1.25%\nSustainable Equity Fund | ULIF02610/12/21SUSTAINFND117 | 1.35%\nIndia Opportunities Fund | ULIF02710/12/21INDOPPFUND117 | 1.35%\nDividend Leaders Index Fund | ULIF03916/01/26DIVIDENDFN117 | 1.35%\nMultifactor Index Fund | ULIF04215/06/26MULTIFACTO117 | 1.35%\nDiscontinued Policy Fund | ULIF01721/12/10DISCONTINU117 | 0.50%","sources":[{"clause":null,"heading":"5.5.3. Fund Management Charge","page":37,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-5-5-3-fund-management-charge"}],"law":[]},{"key":"mortality_charge","label":"Mortality charge","section":"Charges","meaning":"Cost of life cover, deducted monthly by age.","status":"quote-verified","value":"Mortality charge is the cost of life insurance cover and is deducted at the beginning of each policy month by cancellation of units. It is calculated as (Sum at Risk / 1000) multiplied by the applicable mortality rate from the charge table.","display":"Monthly deduction: (Sum at Risk / 1000) × applicable mortality rate","note":"The sum at risk formula varies by plan option and for top-up sum at risk.","quote":"This is the cost of life insurance cover. Mortality Charge will be deducted at the beginning of each Policy month by cancellation of an appropriate Number of Units at the corresponding Net Asset Value.\nCharge Table, and the applicable Sum at Risk. The Mortality Charge Table is enclosed in Annexure A for your reference.\nThe calculation method will be as follows:\nMortality Charge = (Sum at Risk / 1000) * Rate as per the applicable Mortality Charge Table","sources":[{"clause":null,"heading":"5.5.6. Mortality Charge","page":38,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-5-5-6-mortality-charge"}],"law":[]},{"key":"discontinuance_charge","label":"Discontinuance charge","section":"Charges","meaning":"Charge if you stop paying in the first five years.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"switches_withdrawals","label":"Switches and partial withdrawals","section":"Renewal and rights","meaning":"Free fund switches and withdrawals after lock-in.","status":"quote-verified","value":"Under the self-managed strategy, switches between funds are allowed at any time during the policy term, with minimum switch value Rs 5,000 and all switches free. Partial withdrawals are available only after completion of the lock-in period or the life assured becoming a major, whichever is later; each withdrawal must be at least Rs 5,000, maximum withdrawal in a policy year must not exceed 25% of fund value, and partial withdrawals are free of charge. Wealth and Wealth Plus also allow Smart Withdrawal Facility from the beginning of the 6th policy year or later request year, with 1% to 12% p.a. withdrawal rate and payouts monthly, quarterly, half-yearly or yearly.","display":"Unlimited free switches; partial withdrawals after lock-in/majority, minimum Rs 5,000 and annual maximum 25% of fund value; SWF 1% to 12% p.a. from 6th policy year for Wealth/Wealth Plus","note":"Switches are stated as only under Self-managed Strategy; SWF is available only under Wealth or Wealth Plus plan options.","quote":"You have the option to Switch partially or fully between the available Segregated Fund options at any point of time during the Policy Term. The minimum value of every Switch should be Rs 5,000/- (Rupees Five Thousand\nonly). All Switches are free of charge. ... Partial withdrawals are available only after the completion of Lock-In Period, or on Life Assured becoming a Major, whichever is later ... Each Partial Withdrawal shall be subject to the minimum amount of Rs.5,000/- (Rupees Five Thousand\nonly) and maximum Partial Withdrawal in a Policy Year shall not exceed 25% of the Fund Value at the time of withdrawal. ... v) The Partial Withdrawals are free of any charge. ... This facility allows You to place standing instructions for automatic withdrawal of a pre-determined percentage (1% to 12% p.a.) of Your Fund Value ... The Partial Withdrawals under SWF will start from the beginning of 6th Policy Year or the Policy Year as mentioned in the SWF request, whichever is later ... The SWF payouts may be taken monthly, quarterly, half-yearly or yearly, and are payable in advance.","sources":[{"clause":null,"heading":"4.6 Switches (only under Self-managed Strategy)","page":26,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-4-6-switches-only-under-self-managed-strategy"},{"clause":null,"heading":"4.8 Partial Withdrawal","page":26,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-4-8-partial-withdrawal"},{"clause":"9(c)(v)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-9-c-v"},{"clause":null,"heading":"Smart Withdrawal Facility (SWF) under Partial Withdrawals","page":26,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-smart-withdrawal-facility-swf-under-partial-with"},{"clause":"9(c)(viii)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553#c-9-c-viii"}],"law":[]}],"documents":[{"kind":"wording","label":"PNB MetLife Smart Platinum Pro 117L142V01","pages":57,"fetched_at":"2026-10-17 20:00:38+00","source_url":"https://www.pnbmetlife.com/content/dam/pnb-metlife/docs/withdrawn-insurance-plans/SPPro-tnc-01.pdf","url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/14310"},{"kind":"wording","label":"PNB MetLife Smart Platinum Pro 117L142V02","pages":56,"fetched_at":"2026-10-20 00:49:17+00","source_url":"https://www.pnbmetlife.com/content/dam/pnb-metlife/docs/withdrawn-insurance-plans/SPPro-tnc-02.pdf","url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30553"},{"kind":"wording","label":"Terms & Conditions","pages":56,"fetched_at":"2026-10-20 00:49:22+00","source_url":"https://www.pnbmetlife.com/content/dam/pnb-metlife/docs/product/TermsCondition/SPPro-Policy-Document.pdf","url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30557"},{"kind":"brochure","label":"Download Leaflet","pages":6,"fetched_at":"2026-10-20 00:48:24+00","source_url":"https://www.pnbmetlife.com/content/dam/pnb-metlife/docs/product/Download_Brochure/SPPro-Leaflet.pdf","url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30518"},{"kind":"brochure","label":"Wealth Plus Leaflet","pages":3,"fetched_at":"2026-10-20 00:48:24+00","source_url":"https://www.pnbmetlife.com/content/dam/pnb-metlife/docs/product/Download_Brochure/SPPro-Wealth-plus-Leaflet.pdf","url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02/document/30519"}],"versions":[{"uin":"117L142V01","version":null,"approved_on":null},{"uin":"117L142V03","version":null,"approved_on":null},{"uin":"117L142V02","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"PNB MetLife Insurance official website","url":"https://www.pnbmetlife.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claim process","url":"https://www.pnbmetlife.com/claims/process.html","note":null},{"purpose":"claim","kind":"insurer","name":"File a claim","url":"https://customerportal.pnbmetlife.com/claim/journey/","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.pnbmetlife.com/grievance-cell/grievance-redressal.html","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"PNB MetLife Smart Platinum Pro (UIN 117L142V02), IndiaInsurances, https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-smart-platinum-pro-117l142v02"}