{"uin":"117N141V03","name":"PNB MetLife DigiProtect Term Plan","url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03","insurer":{"slug":"pnb-metlife-insurance","name":"PNB MetLife India Insurance Company Limited","url":"https://indiainsurances.com/insurer/pnb-metlife-insurance"},"line":"life","category":"term-life","category_name":"Term life","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"PNB MetLife DigiProtect Term Plan is an individual, non-linked, non-participating, pure risk life insurance plan that pays Sum Assured on Death on death or terminal illness. It has no maturity benefit, a 30-day free-look period, 15 or 30-day grace period, and lump sum, monthly income or mixed payout options.","analysis":{"state":"machine","analysed_at":"2026-10-20 00:58:00.211435+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":["PNB MetLife DigiProtect Term Plan"],"display":"PNB MetLife DigiProtect Term Plan","note":null,"quote":"Name of the Plan | PNB MetLife DigiProtect Term Plan\nNature of the Plan | Individual, Non-Linked, Non-Participating, Pure Risk, Life Insurance Plan","sources":[{"clause":"1.3","heading":"Policy Schedule","page":7,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03/document/14314#c-1-3"}],"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 specimen policy schedule has a placeholder for Policy Term but does not state a range or number of years.","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":null,"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 or Form 60 of the Bonafide Nominee","Cancelled cheque / Copy of bank passbook of the 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","Complete Medical records for any treatment taken in past or at the time of death","Medical report confirming the occurrence of Terminal Illness which is acceptable to Us"],"display":"Death claim form, death certificate, KYC/address proof, PAN/Form 60, bank proof, doctor certificate, and additional accident/suicide/murder or medical records; terminal illness claim form, KYC, bank proof and medical report/records.","note":"PNB MetLife reserves the right to ask for additional documents.","quote":"Death Claims\n1. 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 or Form 60 of the Bonafide Nominee;\n5. Cancelled cheque / Copy of bank passbook of the Bonafide Nominee\n6. **Doctor’s Certificate prescribed in PNB MetLife Format (From the family physician or treating doctor); ... If the death of the Life Assured is due to accident, suicide, and murder then the additional documents mentioned below shall be required:\n1. Copy of the First Information Report (FIR), Panchnama and Postmortem Report (PMR), Viscera report if applicable;\n2. Copy of the Final Police Investigation report (FPIR)/ Charge sheet if applicable; ... If the death of the Life Assured occurred at home & hospital, then the additional documents mentioned below shall be required:\n1. 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; ... Terminal Illness\n• The claim form prescribed by Us, duly completed\n• Copy of the photo-identity proof and Address proof of the claimant / nominee\n• Cancelled Cheque/copy of Bank passbook\n• Medical report confirming the occurrence of Terminal Illness which is acceptable to Us","sources":[{"clause":"6.3","heading":"Claims Procedure","page":22,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03/document/14314#c-6-3"}],"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 claims not warranting investigation, 15 days from the date of intimation of claim. For claims warranting investigation, 45 days from the date of intimation of claim.","display":"15 days from intimation; 45 days if investigation","note":null,"quote":"a) For cases not warranting investigation- 15 days from the date of intimation of claim. ... b) For cases warranting investigation- 45 days from the date of intimation of claim","sources":[{"clause":"Row 5(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03/document/14314#c-row-5-a"},{"clause":"Row 5(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03/document/14314#c-row-5-b"}],"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 due to suicide within 12 months from the Date of Commencement of Risk under the Policy or from the date of Revival of the Policy","The Death Benefit shall not be payable if the Terminal Illness Benefit has previously been paid.","No Benefits shall be paid when the Policy is in Lapsed status."],"display":"Suicide within 12 months is limited to 80% of Total Premiums Paid; no death benefit after terminal illness benefit; no benefits in lapsed status.","note":null,"quote":"In case of death due to suicide within 12 months from the Date of Commencement of Risk under the Policy or from the date of Revival of the Policy, as applicable, the Nominee or beneficiary of the Policyholder shall be entitled to at least 80% of the Total Premiums Paid till the date of death, provided the Policy is In-force. ... The Death Benefit shall not be payable if the Terminal Illness Benefit has previously been paid. ... No Benefits shall be paid when the Policy is in Lapsed status.","sources":[{"clause":"6.7","heading":"Suicide Exclusion","page":23,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03/document/14314#c-6-7"},{"clause":null,"heading":"3.2.1. Death Benefit","page":13,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03/document/14314#c-3-2-1-death-benefit"},{"clause":null,"heading":"4.4 Premium Discontinuance 4.4.1 Lapse","page":19,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03/document/14314#c-4-4-premium-discontinuance-4-4-1-lapse"}],"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":"For complaints, first approach PNB MetLife by phone, email, writing to Customer Service, online through the website, or nearest branch. If not satisfied or no response within 10 days, write to the Grievance Redressal Officer at gro@pnbmetlife.co.in or the Gurugram address.","display":"Level 1 customer service touchpoints; Level 2 Grievance Redressal Officer if not satisfied or no response within 10 days","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 Customer Service Department, 1st Floor, Techniplex -1, Techniplex Complex, Off Veer Savarkar Flyover, Goregaon (West), Mumbai – 400062.\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, or have not received any response within 10 (ten) days, You may\n• Write to Our Grievance Redressal Officer at gro@pnbmetlife.co.in or\n• Send a letter to PNB MetLife India Insurance Co. Ltd, Unit No 302,3rd Floor, Tower 3, Worldmark, Maidawas Sector - 65, Gurugram, Haryana – 122018","sources":[{"clause":null,"heading":"Level 1","page":25,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03/document/14314#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":"Sum Assured on Death is the higher of 7 times the Annualized Premium, 105% of Total Premiums Paid up to date of death or diagnosis of Terminal Illness, and Basic Sum Assured. The document does not state a minimum or maximum Basic Sum Assured.","display":"Higher of 7 times Annualized Premium, 105% of Total Premiums Paid, or Basic Sum Assured","note":"The specimen wording does not provide minimum or maximum cover amounts.","quote":"Where, ‘Sum Assured on Death’ is higher of:\n• 7 times the Annualized Premium\n• 105% of Total Premiums Paid up to date of death or diagnosis of Terminal Illness.\n• Basic Sum Assured, which is the absolute amount assured to be paid on death.","sources":[{"clause":null,"heading":"3.2.1. Death Benefit","page":13,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03/document/14314#c-3-2-1-death-benefit"}],"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":"On death during the policy term while in force, Sum Assured on Death is payable to the claimant as per the benefit payout option chosen at claim. Sum Assured on Death is the higher of 7 times Annualized Premium, 105% of Total Premiums Paid up to death or terminal illness diagnosis, and Basic Sum Assured; payment is on the first occurrence of death or terminal illness.","display":"Sum Assured on Death, as payout option chosen at claim; higher of 7 times Annualized Premium, 105% of Total Premiums Paid, or Basic Sum Assured","note":null,"quote":"In the unfortunate event of the death of Life Assured any time during the Policy Term, provided the Policy is In-force, ‘Sum Assured on Death’ shall be payable to the Claimant as per the Benefit Payout options chosen at the time of the claim. Where, ‘Sum Assured on Death’ is higher of:\n• 7 times the Annualized Premium\n• 105% of Total Premiums Paid up to date of death or diagnosis of Terminal Illness.\n• Basic Sum Assured, which is the absolute amount assured to be paid on death.\nPayment of the above benefit shall be made on the first occurrence of either death or diagnosis of Terminal Illness, whichever is earlier.","sources":[{"clause":null,"heading":"3.2.1. Death Benefit","page":13,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03/document/14314#c-3-2-1-death-benefit"}],"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":"There is no maturity benefit payable under this plan.","display":"No maturity benefit","note":null,"quote":"There is no Maturity Benefit payable under this plan.","sources":[{"clause":null,"heading":"3.2.4. Maturity Benefit","page":14,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03/document/14314#c-3-2-4-maturity-benefit"}],"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 specimen policy schedule has a placeholder for Premium Payment Term but does not state the available number of years.","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":null,"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 is due to suicide within 12 months from commencement of risk or revival, the nominee or beneficiary is entitled to at least 80% of Total Premiums Paid till death, provided the policy is in force.","display":"At least 80% of Total Premiums Paid for suicide within 12 months","note":null,"quote":"In case of death due to suicide within 12 months from the Date of Commencement of Risk under the Policy or from the date of Revival of the Policy, as applicable, the Nominee or beneficiary of the Policyholder shall be entitled to at least 80% of the Total Premiums Paid till the date of death, provided the Policy is In-force.","sources":[{"clause":"6.7","heading":"Suicide Exclusion","page":23,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03/document/14314#c-6-7"}],"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":"Limited Pay policies can receive Unexpired Risk Premium Value on voluntary termination during the policy term if at least two full years' premiums are paid; Y is 30% for termination during the Premium Payment Term and 50% after the Premium Payment Term. Regular Pay has no Unexpired Risk Premium Value. A Special Exit Value can also return Total Premiums Paid plus underwriting extra premiums paid, excluding rider premiums, in eligible years for policy terms of at least 40 years.","display":"Limited Pay: Unexpired Risk Premium Value after at least 2 full years' premiums; Regular Pay: no Unexpired Risk Premium Value; Special Exit Value may return premiums in eligible years","note":"Special Exit Value starts from the 30th policy year for Regular Pay and the 25th policy year for Limited Pay, and is not available in the last 4 policy years for Regular Pay or last 5 policy years for Limited Pay.","quote":"The Unexpired Risk Premium Value Benefit will be provided if You choose to terminate the Policy during the Policy Term, provided atleast two (2) full years’ premiums are paid, the Unexpired Risk Premium Value shall be payable as follows: ... For terminations during Premium Payment Term: Y = 30% For terminations after Premium Payment Term: Y = 50% ... For Regular Pay- There is no Unexpired Risk Premium Value payable for Regular Pay. ... You have an option to receive Total Premiums Paid Plus underwriting extra premiums paid and excluding Rider Premiums, if any, in case You terminate the Policy during the Policy Term. ... Special Exit Value shall not be available for Policy Terms of less than 40 years.","sources":[{"clause":null,"heading":"4.3 Unexpired Risk Premium Value","page":19,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03/document/14314#c-4-3-unexpired-risk-premium-value"},{"clause":null,"heading":"3.3.3. Special Exit Value","page":15,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03/document/14314#c-3-3-3-special-exit-value"}],"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":"There is no reduced paid-up value under Limited Pay or Regular Pay.","display":"No reduced paid-up value","note":null,"quote":"There is no reduced paid-up value applicable under any of the premium paying term options, i.e. Limited Pay and Regular Pay.","sources":[{"clause":null,"heading":"4.4.2 Reduced Paid Up Value","page":20,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03/document/14314#c-4-4-2-reduced-paid-up-value"}],"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 lapsed policy can be revived during the revival period by written notice, payment of all due instalment premiums with interest, and underwriting approval. The revival period is five consecutive complete years from the date of first unpaid instalment premium.","display":"5 years from the date of first unpaid instalment premium","note":"The current revival interest stated in the wording is 7.5% p.a., subject to change.","quote":"A Policy in Lapsed condition can be revived during the Revival Period by giving Us written notice to revive the Policy, provided that:\n• All due Instalment Premiums along with interest at Prevailing Rate of Interest, if any, are received by Us in full. ... Revival Period means the period of five consecutive complete years from the date of first unpaid Instalment Premium.","sources":[{"clause":null,"heading":"4.4.3 Revival","page":20,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03/document/14314#c-4-4-3-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":"There is no policy loan available in this plan.","display":"No policy loan","note":null,"quote":"There is no Policy loan available in this plan.","sources":[{"clause":null,"heading":"4.2 Policy Loan","page":19,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03/document/14314#c-4-2-policy-loan"}],"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 Accidental Death Benefit Rider Plus (117B020V04)","PNB MetLife Serious Illness Rider (117B021V04)","PNB MetLife Accidental Disability Benefit Rider (117B022V03)"],"display":"Accidental Death Benefit Rider Plus, Serious Illness Rider, Accidental Disability Benefit Rider","note":"Riders are for additional premium and subject to rider terms and eligibility.","quote":"You may opt for any of the following Riders on Date of commencement of Policy or at any Policy Anniversary. Each Rider shall be subject to the terms and conditions of that Rider:\nRiders | Brief Description\nPNB MetLife Accidental Death Benefit Rider Plus (117B020V04) | This Rider provides additional protection over and above the Death Benefit under this Policy in the event of the death of the Life Assured in an Accident.\nPNB MetLife Serious Illness Rider (117B021V04) | This Rider provides additional protection over and above the Death Benefit under this Policy in the event of the Life Assured being diagnosed with any of the Critical Illnesses listed in the Rider.\nPNB MetLife Accidental Disability Benefit Rider (117B022V03) | This Rider provides additional protection over and above the Death Benefit under this Policy in the event of Accidental Disability.","sources":[{"clause":null,"heading":"3.3.4. Rider Benefits","page":16,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03/document/14314#c-3-3-4-rider-benefits"}],"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 expiry of 3 years from the later of policy issuance, commencement of risk, revival, or rider date. Within 3 years it may be called in question on grounds including fraud or material misstatement/suppression, with grounds and materials communicated.","display":"No questioning after 3 yrs; within 3 years for fraud or material misstatement/suppression","note":null,"quote":"No Policy of Life Insurance shall be called in question on any ground whatsoever after expiry of 3 yrs from ... d) the date of rider to the Policy, whichever is later.\n2. On the ground of fraud, a Policy of Life Insurance may be called in question within 3 years from ... For this, the insurer should communicate in writing to the insured or legal representative or Nominee or assignees of insured, as applicable, 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 in the proposal or other document basis which Policy was issued or revived or rider issued.","sources":[{"clause":"17","heading":null,"page":34,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03/document/14314#c-17"},{"clause":"17(d)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03/document/14314#c-17-d"},{"clause":"17(d)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03/document/14314#c-17-d-2"},{"clause":"17(d)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03/document/14314#c-17-d-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. 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 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":"6.4","heading":"Taxation","page":23,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03/document/14314#c-6-4"}],"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":"Refund is subject to deduction of proportionate risk premium, medical examination expenses and stamp duty charges.","quote":"You may cancel the Policy by giving a written notice to Us within 30 (thirty) days beginning from the date of receipt of Policy Document, whether received electronically or otherwise","sources":[{"clause":null,"heading":"4.1 Free Look Period","page":19,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03/document/14314#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":30},"display":"30 days; 15 days for monthly mode","note":"Monthly premium mode has 15 days; all other premium payment modes have 30 days.","quote":"The Grace Period for payment of the Premium shall be 15 (fifteen) days, where the Policyholder pays the Premium on a monthly mode and 30 (thirty) days in case of all other Premium Payment modes.","sources":[{"clause":null,"heading":"3.4.3. Grace Period","page":17,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03/document/14314#c-3-4-3-grace-period"}],"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":null,"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":["Annual","Half yearly","Quarterly","Monthly"],"display":"Annual, Half yearly, Quarterly and Monthly","note":"Monthly mode is available for Standing instruction/direct debit options.","quote":"The available Premium Payment Modes under the Policy are Annual, Half yearly, Quarterly and Monthly;","sources":[{"clause":null,"heading":"3.4. Premium Payment Conditions 3.4.1. Payment of Premium","page":17,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03/document/14314#c-3-4-premium-payment-conditions-3-4-1-payment-of"}],"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":["Limited Pay","Regular Pay"],"display":"Limited Pay / Regular Pay","note":null,"quote":"Premium Payment Type | <<Limited Pay / Regular Pay>>","sources":[{"clause":"2","heading":"Policy Details","page":7,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03/document/14314#c-2"}],"law":[]},{"key":"return_of_premium","label":"Return of premium option","section":"Cover","meaning":"Whether premiums come back if you survive the term, and at what cost. 'No' only when the document says no maturity benefit is payable.","status":"quote-verified","value":"There is no maturity benefit payable on survival to the end of the term. The plan has an inbuilt Special Exit Value that may return Total Premiums Paid plus underwriting extra premiums, excluding rider premiums, only if the policy is terminated during eligible policy years and the policy term is at least 40 years.","display":"No maturity benefit; Special Exit Value can return premiums only on eligible termination during the policy term","note":"Special Exit Value is an inbuilt feature with no additional premium, but it is not a maturity benefit.","quote":"There is no Maturity Benefit payable under this plan. ... You have an option to receive Total Premiums Paid Plus underwriting extra premiums paid and excluding Rider Premiums, if any, in case You terminate the Policy during the Policy Term. ... Special Exit Value shall not be available for Policy Terms of less than 40 years.","sources":[{"clause":null,"heading":"3.2.4. Maturity Benefit","page":14,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03/document/14314#c-3-2-4-maturity-benefit"},{"clause":null,"heading":"3.3.3. Special Exit Value","page":15,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03/document/14314#c-3-3-3-special-exit-value"}],"law":[]},{"key":"payout_options","label":"Payout options","section":"Cover","meaning":"Lump sum, monthly income, or a mix for your family.","status":"quote-verified","value":"At claim, the claimant can choose Lumpsum, Monthly Income, or Lumpsum plus Monthly Income. Monthly income can be paid over 10, 15, 20, 25, 30 or 35 years; under the mixed option, the lump sum portion can be 10% to 90% in multiples of 10%.","display":"Lumpsum; Monthly Income over 10/15/20/25/30/35 years; Lumpsum plus Monthly Income","note":null,"quote":"Option1: Lumpsum: 100% of Sum Assured on Death will be paid as Lumpsum. ... Option2: Monthly Income: 100% of Sum Assured on Death will be paid as level monthly instalments over a fixed period of 10/15/20/25/30, or 35 years starting from the next monthly anniversary following the date of intimation of claim. ... Option3: Lumpsum plus Monthly Income: The Claimant may choose to receive a portion of the Death Benefit or Terminal Illness Benefit as a lump sum, from 10% to 90% (in multiples of 10%). The balance amount will be paid as level monthly instalments over a fixed period of 10/15/20/25/30 or 35 years.","sources":[{"clause":null,"heading":"3.2.3. Benefit Payout Options","page":13,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03/document/14314#c-3-2-3-benefit-payout-options"},{"clause":null,"heading":"Option2","page":13,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03/document/14314#c-option2"},{"clause":null,"heading":"Option3","page":14,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03/document/14314#c-option3"}],"law":[]},{"key":"terminal_illness","label":"Terminal illness benefit","section":"Cover","meaning":"Whether part of the cover is paid early on diagnosis of a terminal illness.","status":"quote-verified","value":"If the life assured is diagnosed with a terminal illness during the policy term while the policy is in force, Sum Assured on Death is payable as per the payout option chosen at claim. It accelerates the death benefit, is not an additional benefit, and the policy terminates with payment.","display":"Sum Assured on Death paid early on terminal illness; accelerates death benefit, not additional","note":null,"quote":"In the event the Life Assured is diagnosed with a Terminal Illness during the Policy Term, provided the Policy is In-force, ‘Sum Assured on Death’ shall be payable to the Claimant as per the Benefit Payout options chosen at the time of the claim. Further no benefit shall be payable on the death of the Life Assured.\nTerminal Illness Benefit only accelerates the Death Benefit payable under the Policy and is not an additional Benefit.\nThe Policy terminates with the payment of 100% of the death or Terminal Illness claim amount.","sources":[{"clause":null,"heading":"3.2.2. Terminal Illness","page":13,"url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03/document/14314#c-3-2-2-terminal-illness"}],"law":[]},{"key":"increasing_cover","label":"Increasing or life-stage cover","section":"Cover","meaning":"Options to raise cover over time or at marriage or childbirth.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"waiver_of_premium","label":"Waiver of premium","section":"Cover","meaning":"Whether future premiums stop on disability or critical illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"medicals","label":"Medical tests","section":"Eligibility","meaning":"Whether medical tests are needed, and at what cover.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"PNB MetLife DigiProtect Term Plan 117N141V01","pages":34,"fetched_at":"2026-10-17 20:00:32+00","source_url":"https://www.pnbmetlife.com/content/dam/pnb-metlife/docs/withdrawn-insurance-plans/digiproctect-tnc-01.pdf","url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03/document/14305"},{"kind":"wording","label":"PNB MetLife DigiProtect Term Plan 117N141V02","pages":36,"fetched_at":"2026-10-17 20:00:41+00","source_url":"https://www.pnbmetlife.com/content/dam/pnb-metlife/docs/withdrawn-insurance-plans/digiproctect-tnc-02.pdf","url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03/document/14314"},{"kind":"wording","label":"Terms & Conditions","pages":36,"fetched_at":"2026-10-20 00:49:18+00","source_url":"https://www.pnbmetlife.com/content/dam/pnb-metlife/docs/product/TermsCondition/digiprotect-tnc.pdf","url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03/document/30554"},{"kind":"brochure","label":"Download Leaflet","pages":4,"fetched_at":"2026-10-20 00:48:19+00","source_url":"https://www.pnbmetlife.com/content/dam/pnb-metlife/docs/product/Download_Brochure/digiprotect-leaflet.pdf","url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03/document/30512"},{"kind":"brochure","label":"Brochure/Prospectus","pages":13,"fetched_at":"2026-10-20 00:48:17+00","source_url":"https://www.pnbmetlife.com/content/dam/pnb-metlife/docs/product/Download_Brochure/digiprotect-brochure.pdf","url":"https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03/document/30513"}],"versions":[{"uin":"117N141V01","version":null,"approved_on":null},{"uin":"117N141V02","version":null,"approved_on":null},{"uin":"117N141V03","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 DigiProtect Term Plan (UIN 117N141V03), IndiaInsurances, https://indiainsurances.com/policy/pnb-metlife-insurance/pnb-metlife-digiprotect-term-plan-117n141v03"}