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What Critical Illnesses are Covered Under PNB (Mera Term Plan Plus)

Imagine finding that your loved ones or you are going through a critical illness. Just imagine the pain, trauma, emotional difficulties, and stress that accomplishes such adverse news. Such kind of situations might halt your important life milestones. Now, imagine the pressure to pay hefty amounts for the treatment of a critical ailment. Fortunately, PNB Met Life Mera Term Plus is one such plan that can help you in difficult times.

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What is a Critical Illness Cover of PNB Mera Term Plus Plan?

Critical Illness benefit refers to the coverage offered for long-term and serious illnesses that generally need expensive medical treatment. The covered illnesses could be heart diseases, cancer, renal diseases, third-degree burns, liver diseases, paralysis, etc. The coverage provided is a safe way to safeguard you and your family’s peace of mind. The plan generally means that the insurance company will offer a lump sum payment on the diagnosis of a critical illness.

What Critical Illnesses are Covered Under PNB (Mera Term Plan Plus)?

You can easily buy a specially designed PNB Mera Term Plus Plan that covers the below critical illnesses:

List of Critical Illnesses Covered Under PNB (Mera Term Plan Plus)
Cancer of specified severity Multiple Sclerosis with persisting symptoms
Myocardial Infarction – First Heart of specified severity Benign Brain Tumor
Open Chest CABG Blindness
Open Heart Replacement and Repair of Heart Valves Deafness
Coma of specified severity End-Stage Lung Cancer
Kidney failure requiring regular dialysis End-Stage Liver Failure
Stroke Resulting in Permanent Symptoms Speech loss
Major Organ/Bone Marrow Transplant Limbs Loss
Permanent Paralysis of Limbs Major Head Trauma
Motor Neuron Disease with permanent symptoms Primary Pulmonary Hypertension
Third Degree Burns Alzheimer’s Disease
Aplastic Anaemia Cardiomyopathy
Medullary Cystic Disease Muscular Dystrophy
Parkinson’s disease Poliomyelitis
Systemic Lupus Erythematosus with Lupus Nephritis Apallic Syndrome
Brain Surgery Aorta Surgery
Rheumatoid Arthritis Severe Crohn’s Disease
Ulcerative Colitis Pneumonectomy
Pulmonary Aorta Graft Surgery Progressive Scleroderma
Bacterial Meningitis Good Posture’s Syndrome
Multiple System Atrophy Encephalitis
Creutzfeldt-Jakob disease Fulminant Viral Hepatitis
Chronic Recurrent Pancreatitis Spinal Stroke
Syringomyelia Devic’s disease
Benign spinal cord tumor

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How Does PNB Mera Term Plus Plan with Critical Illness Cover Work?

In this, the policyholder receives a lump sum amount on the diagnosis of critical illnesses specified above in the plan. As per the terms and conditions of the plan, detection of critical ailments may either continue or terminate the plan. Therefore, it is important to check the coverage amount before choosing any rider. PNB Met Life Mera Term plus plan has come up with a unique critical illness cover that includes lifestyle diseases as well. In addition to this, a policyholder can also opt for the benefits of hospitalization and non-hospitalization costs.

Benefits of Buying Critical Illness Cover with PNB Mera Term Plus Plan

When you buy a term insurance plan with a critical illness cover, you can buy the following critical illness benefits:

  • This plan acts as an income replacement

  • The policyholder is not required to spend an extra amount as the premium amount stays the same

  • You can get double tax benefit with this add-on

  • It provides you additional coverage that can help fulfill your medical and daily expenses

  • It offers coverage for all major illnesses such as cancer, heart attack, bypass surgery, kidney failure, stroke, etc.

Note: You can easily calculate the term plan premium by using the term insurance calculator online tool.

Points To Consider While Purchasing Critical Illness Rider

  • If the maximum term of the plan is 30 years, then the coverage of the plan continues even after the benefit of claiming

  • Save taxes u/s 80C and 80D of the ITA, 1961.

  • The benefit sum payable is equivalent to the cover of critical illness that the life assured has selected

  • The total SA as chosen under the plan is paid in case of total permanent disability or death of the policyholder

  • No minimum survival time and the term insurance benefits is payable instantly based on the 1st diagnosis

  • The death claim can be settled within 21 days of receiving the receipt of all important documents

  • The policy buyer can easily buy a plan online by paying premiums in installments.

Wrapping It Up!

When it comes to the security of you and your loved ones, it is a wise decision to prepare for the worst and hope for the best. You can do the same by buying a critical illness benefit with a term plan for yourself and your family members. Go through all the above-mentioned points so that you can make an informed decision.

Note: Check out the best term insurance plan in India and choose one that suits your requirements.

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