PNB MetLife Term Insurance Claim Process

PNB MetLife insurance, one of the leading term insurance companies in India, has shareholders Jammu & Kashmir Bank Ltd., Punjab National Bank Ltd, M. Pallonji and Company Private Ltd., MetLife International Holdings LLC, and other private investors. The insurer is present in 109 locations across the nation with access to over 206+ million customers. In 2020, the company launched ‘Claim Assure’ that ensures 3 hours’ claims settlement decision. The overall company’s claim payout is great and also offers an easy and hassle-free claim process.

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Read on to know more about PNB MetLife Term Insurance Claim Process in detail: 

PNB MetLife Term Insurance Claim Process

PNB MetLife Term Insurance company has featured a claim settlement ratio (CSR) of 98.17% for individual businesses and 99.65% for the group business in the fiscal year 2020-21, indicating the fast settlement of death claims. Higher CSR means the company’s reliability and loyalty towards the customer.  The insurance company offers both offline and online modes to settle claims. PNB MetLife insurances make every effort to make sure that your nominee receives the claim amount that is entitled to your family, easily and comfortably. PNB MetLife Term Insurance claim process is simple and convenient for each policyholder and their dear ones. 

How to File PNB MetLife Term Insurance Claim 

The PNB MetLife Term Insurance policies offer financial protection to you and your dear ones in case of any unforeseen event such as disability or death with the policyholder. It is recommended that the individuals should buy term insurance policies of such insurance providers which offer a high CSR with a hassle-free documentation process. Let’s discuss the steps involved in PNB MetLife Term Insurance Claim Process: 

Steps Involved in PNB MetLife Term Insurance Claim Process

  1. Step1: Apply Claim 

    The nominee should inform about the claim to the insurer as soon as possible in written form. The information required during the claim intimation process includes the insured’s name, policy number, place of death, death date, claimant’s name, etc. The nominee can get the claim intimation application by visiting the nearest insurer’s branch or can also download it from the official website of PNB MetLife. Nominee can intimate claim by following ways: 

    • File a claim online: The nominee can file a claim online by visiting the PNB MetLife Insurance official website. Go to the ‘Claim Settlement’ section and then click on the ‘claim intimate’ tab. 

    • Nominee can also file intimation via email at 

    • Send a letter: Intimate about claim request via post 

    • khUshi App: Nominee can also file a request for a claim using khUshi app. It is a self-service mobile application that guides you through every step. 

    • Call on their toll-free helpline number 1800-425-6969

  2. Step2: Documents Submission 

    Once the company receives the claim intimation, a nominee is required to submit the requested documents for the assessment process of the claim. Also, if additional documents are needed for further investigation, you will have to furnish them as well to the insurer. 

  3. Step3: Claim Payout 

    • Receipt of Documents: In case of receiving all the documents by PNB MetLife, you will be informed. Then, the claim assistance team will start the process of claims decisions. 

    • Assessment and Investigation of claim: After the assessment of all the information provided, the claim will be processed within 30 days from the receipt of the documents in all situations where further investigation is not required. In case of any pendency or irregularities in claim intimation information and forms, the company will be required to investigate the claim. In such situations, the investigation will be finished within 90 days from the receipt of the document. 

    • Decision and settlement of claim: The claim settlement shall be done within 30 days from completing the assessment and examination. The company will now commence the payout process.  

Documents Required To Complete PNB MetLife Term Insurance Claim Process

The documents which are required at the time of filing a PNB Term Insurance Claim: 

Type of Claim  List of Documents Required 
Claim application 
Natural Death  Copy of death certificate issued by the government/ local government authority 
Original documents of policy 
Statement of claimant 
Certification by doctor 
Claimant’s address proof 
Claimant’s ID proof 
Legal Succession certificate in case of absence of the claimant 
Copy of bank passbook and Cancelled cheque 
Accidental Death  All documents of natural death claim 
FIR/Panchanama Copy 
Police inquest copy 
Post-mortem Report/Chemical Viscera report 
Critical Illness  All documents of natural death claim 
Attested records and reports of hospital 
Death/Discharge summary 
Admission notes 

A Quick Look at the Importance of PNB MetLife Term Insurance Claim Process 

  • Track Your Claim: You can easily track your PNB MetLife Term Insurance claim in a couple of minutes. On the ‘track your claim’ page, enter your claim reference number or policy number and date of birth of the policyholder. Then click ‘Continue’ to check the status of your claim. 

  • khUshi is the interactive customer-centric smart insurance app that helps you to access and understand all the insurance policies in detail and gives solutions to all your policy-related queries. 

  • The company has achieved a claim settlement ratio of 98.17% for individual policies in FY 2020-21

  • PNB MetLife has introduced the option of ‘Claim Assure’ that allows the 3-hour settlement of death claims if all the information provided is correct and accurate.


  • Can I check the status of my claim? 

    Yes, you can easily check the status of your claim. Once the company receives the documents, you can call on their helpline number 1800-425-6969 for queries and future updates. If you are filing a claim as an individual claimant, then the company can also send status updates through text or email, if you have chosen any of these options when completing the claim requirements. Also, PNB MetLife automatically informs you by mail about your payment status. 
  • How long will PNB MetLife take to approve my claim? 

    After receiving the claim, the company will review every claim information provided by the claimant within 5 working days and respond to your claim within 10 working days, if they need any additional documents for further investigation. 
  • What is the procedure of death claim filing, if death occurs in a foreign country? 

    Documents required are the same as required at the time of death in India. The certificate of death needs to be attested by the Indian embassy of the residential country.

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