GOOD HEALTH LEADS

TO A GOOD LIFE!
WE INSURE BOTH!

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A life without worries is a life lived well. So, prepare well today for an uncertain tomorrow with
Mera Mediclaim Plan, specially designed to provide 360-degree security by covering your life
and health from future unpredictability.

KEY FEATURES

%
7.5% discount on Comprehensive Health Insurance with cashless
combined premiums treatment at 7500+ network hospitals

Health cover increase to

220% in 2 claim free years with Life Cover of Rs. 25 lacs with
No Claim Bonus Super* inbuilt Terminal Illness cover

*For 2 consecutive claim-free years by using No Claim Bonus & No Claim Bonus Super (optional cover). Incremental increase every year is applicable on base Sum Insured.
If a claim is made in any particular year, accrued No Claim Bonus & No Claim Bonus Super will be reduced at the same rate at which it is accrued. No Claim Bonus Super
is an optional cover available on payment of additional premium.
 WITH MERA MEDICLAIM PLAN

Get health and life cover under a single plan: You no longer have to manage separate
Health and Life Insurance Plans for you and your family’s well being

Get discount of 7.5% on the combined premium

Get cashless treatments: You no longer have to run around paying off hospital bills and
then follow up for reimbursements

Get rewarded for every claim-free year

Save tax – Avail tax benefits on premiums paid under Sections 80C, 80D and benefits
received under section 10(10D) of the Income Tax Act, as per prevailing tax laws

ELIGIBILITY CRITERIA

Product Life Health

s
Minimum Maximum Minimum Maximum

Individual: 5 years
Age at Entry 18 years 65 years No limit on Entry Age
Floater: 91 days

Age at Maturity
28 years 80 years Lifelong on continuous renewal
(Years)

Policy Term (Years) 10 40 1/2/3

Premium Paying
Regular Pay
Term

Health:

How can You cover Yourself Individual basis (maximum up to 6 Persons having equal Sum Insured) or Floater basis
1A+1C, 1A+2C, 1A+3C, 1A+4C, 2A+1C, 2A+2C, 2A+3C, 2A+4C;
Floater combinations
where A=Adult, C=Child
1. Individual: Self, Legally married spouse, son, daughter, father, mother, brother, sister, mother-
in-law, father-in law, grandmother, grandfather, grandson, granddaughter, uncle, aunt,
Who are covered nephew, niece, employee or any other relationship having an insurable interest.
(Relationship with respect
to the Proposer) 2. Family Floater: Self, Legally married spouse, son, daughter, father, mother, employee and his/
her dependents (Legally married Spouse, Children & Parents) or any other relationship having
an insurable interest.

Notes:
- Child would be ported to an individual policy (having a separate Sum Insured) and treated as an adult Insured Person, upon attaining 25 years of age, at the time of renewal.
- All the Age calculations are as per “Age Last Birthday” as on the date of first issue of Policy and / or at the time of Renewal.
- Option of Mid-term inclusion of a Person in the Policy will be only upon marriage or childbirth; Additional differential premium will be calculated on a pro rata basis.
- Max allowable of life is 6 under Family Floater with 2 adults and 4 children
- If Insured persons belonging to the same family are covered on an Individual  basis, then every Insured person can opt for different Sum Insured and different Optional Covers
 LET’S SEE HOW THIS PLAN WORKS:
Case I

Mr. Pandit is 35 year old and wants to ensure Premium paying term : Regular Pay
complete protection from illness and death. He Policy term : 30 years
Basic Sum Assured – Life: Rs 25 Lakhs
buys Mera Mediclaim Plan (Life + health plan). Health: Rs 10 Lakhs

Life Plan Health Plan Annualized Combi Premium***: Rs.14,157

Benefit Option: Hospitalisation benefits Life: Rs.7,600
Lump Sum No Claim Bonus Super Health: Life long renewal**= Rs.7,705
(Optional) Combi Discount= Rs.1,148

Hospital expenses up to Rs. 25 lakhs (base SI =10

Annual Premium= lakhs +10% SI No claim bonus +50% SI NCB Super)
His family gets
Rs.14,157 will be reimbursed and the policy continues with
health coverage available to all the insured Death Benefit of Rs.25 Lac

Policy Terminates
Policy Year 0 1 2 3 4 5 15
Age 35 40 50

*The above Illustration is applicable only for Main life/Proposer

**Annual premium will change as an when the primary life insured enters a higher age slab.
***Premium shown above is exclusive of taxes

Case II

Mrs. Sridevi is 40 year old and wants to ensure Premium paying term : Regular Pay
complete protection from illness and death. She Policy term : 25 years
buys Mera Mediclaim Plan (Life + health plan) Basic Sum Assured – Life: Rs 25 Lakhs
covering her Husband and child Health: Rs 10 Lakhs

Life Plan Health Plan Annualized Combi Premium***: Rs. 22,960

Benefit Option: Hospitalisation benefits Life: Rs.7,625
Lump Sum No Claim Bonus Super Health: Life long renewal**= Rs.17,197
(Optional) Combi Discount= Rs.1,861

Hospital expenses up to Rs. 12.5 lakhs (base SI = 5

Annual Premium= lakhs +10% SI No claim bonus +50% SI NCB Super)
Her family gets
Rs.22,960 will be reimbursed and the policy continues with
health coverage available to all the insured Death Benefit of Rs.25 Lac

Policy Terminates
Policy Year 0 1 2 3 4 5 15
Age 40 45 55

*The above Illustration is applicable for 2A+1C

**Annual premium will change as an when the oldest member insured enters a higher age slab.
***Premium shown above is exclusive of taxes
NO CLAIM BONUS AND NO CLAIM BONUS SUPER
• With the inbuilt No Claim Bonus feature, your sum insured increases by 10% for every claim-free year,
max. up to 50% of Sum Insured.
• With No Claim Bonus Super (Optional Benefit), your sum insured increases by a further 50% for every
claim-free year, max. up to 100% of Sum Insured.
• Your Sum Insured, thus, effectively becomes 2.5 times in 5 years i.e. an increase of 150%.
• In case of a claim in any policy year, the sum insured is reduced in the same proportion as it was accrued,
and in no case, it can decrease below the original sum insured.

25 Lacs
24 Lacs
23 Lacs
22 Lacs

16 Lacs

Year 1 Year 2 Year 3 Year 4 Year 5

Total Sum Assured
available =10,00,000
(at the beginning of the year)

AUTOMATIC RECHARGE
• If, due to claims made, you ever run out of/exhaust your health cover, we reinstate the entire sum insured of
your policy for the remaining policy year
• This reinstated amount can be used by the same individual for a different claim which is unrelated to illness or
injury for which claim has already been admitted, or by any other individual (in a floater policy) for any claim
• With the option of Unlimited Automatic Recharge, you can avail the Recharge benefit unlimited times in a
year, ensuring that you never run out of coverage

Case 1 Case 2 Case 3

Sum Insured Available 10,00,000 10,00,000 10,00,000

Claim 1 Filed 9,00,000 10,00,000 11,00,000

Claim 1 Eligible 9,00,000 10,00,000 10,00,000

Balance SI 1,00,000 - -

Recharge Available 10,00,000 10,00,000 10,00,000

Claim 2 Filed 11,00,000 10,00,000 9,00,000

Claim 2 Eligible 10,00,000 10,00,000 9,00,000

Balance SI 1,00,000 - 1,00,000

 TO KNOW MORE
www.pnbmetlife.com 1800-425-6969

Mera Mediclaim Plan is an Individual, Non-Linked, Non-Participating, Pure Risk Premium, Combi Insurance Plan (UIN: 117Y102V01). Policyholders are advised to familiarize
themselves with the policy benefits and policy service structure of the ‘Combi Product’ before deciding to purchase the policy. Please read the Sales brochure carefully before
concluding any sale. This product is jointly offered by PNB Met Life India Insurance Company” and “Care Health Insurance Limited (formerly known as Religare Health
Insurance Company Limited)”. The risks of this ‘Combi Product’ are distinct and are assumed / accepted by respective insurance companies. The liability to settle the claim
vests with respective insurers, i.e., for health insurance benefits “Care Health Insurance Limited (formerly known as Religare Health Insurance Company Limited)” and for life
insurance benefits “PNB MetLife India Insurance Company”. The policyholders of the ‘Combi Product’ are eligible to continue with either part of the policy, discontinuing the
other during the policy term. Goods and service Tax (GST) shall be levied as per the prevailing tax laws which are subject to change from time. "Tax benefits are as per the
Income Tax Act, 1961, & are subject to amendments made thereto from time to time. Please consult your tax consultant for more details".

Regd. Office - Care Health Insurance Limited (formerly known as Religare Regd. Office : Unit Nos. 701, 702 & 703, 7th Floor, West Wing, Raheja Towers, # 26/27,
Health Insurance Company Limited), 5th Floor, 19, Chawla House, Nehru M.G. Road, Bengaluru – 560 001. IRDAI Regd. No.: 117 CIN.: U66010KA2001PLC028883
Place, New Delhi-110019 |IRDAI Regd. No.: 148 CIN - Phone: 080–6600 6969, Fax: 080 – 25585815, Email: indiaservice@pnbmetlife.co.in
U66000DL2007PLC161503. Correspondence Address - Unit no 604 - 607, 6th Write to us at: Office Unit No. 101, 1st Floor, Techniplex-1, Techniplex Complex, Off Veer
Floor, Tower C, Unitech Cyber Park, Sector 39, Gurugram -122001 (Haryana) Savarkar Flyover, S V Road Goregaon (West), Mumbai – 400 062, Phone: 022 4179 0000,
Call us: 1800-102-4488 | 1800-102-6655 Fax: 022 - 41790203

The marks “PNB” and “MetLife” are the registered trademarks of Punjab National Bank and Metropolitan Life Insurance Company, respectively. PNB MetLife India Insurance
Company Limited is a licensed user of these marks. is a trademark of Care Health Insurance Limited. AD-F/2020-21/00288.

BEWARE OF SPURIOUS PHONE CALLS AND FICTIOUS /FRAUDULENT OFFERS!

IRDAI is not involved in activities like selling policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.