HDFC Life Click 2 Protect Super vs PNB Metlife Mera Term Plan Plus

HDFC Life Insurance Company has settled 99.94% of claims in less than 30 days and fewer claim complaints compared to other insurers. The HDFC Life Insurance Company boasts of a high claim settlement ratio of 99.39%, and the claim amount settlement ratio is 89.38%. The plan provides online tracking of claims and dedicated toll-free claims support. However, customers do not have the benefit of being assisted by a personal relationship manager for claims, and the claim form is moderately long. Unfortunately, the insurer does not offer a home-pick-up claim service, which some other insurance companies do provide.

PNB Metlife Insurance Company has settled 99.70% of their claims within 30 days - with a higher number of complaints. It is estimated that their claim settlement ratio is 99.06% and that their claim amount settlement ratio is 93.35%. They provide an online claim tracking system and a dedicated toll-free for claims service. There are a few drawbacks, however. The company does not provide a personal relationship manager or home pick-up service for claims. And, they have a moderately long claim form as well.

HDFC Life Insurance Company offers customer services via toll-free and Twitter, but our research shows that their response time on toll-free is slow and Twitter is average, compared to other insurers. This suggests that you and your family may face problems in getting your queries addressed.

You can reach PNB Metlife Insurance Company via their toll-free telephone number or Twitter. Based on our research, we found that both their Twitter and toll-free number responses were slow, compared to other insurers. Therefore, you and your family may have difficulty getting assistance when you need it.

The HDFC Life Click 2 Protect Super Plan is an affordable policy that offers various customisation options. One of the key benefits of HDFC Life Click 2 Protect Super Plan is the choice to increase the coverage by 5%/10% every year until the base policy cover doubles. The cover starts increasing from 2nd year or 6th year onwards, depending on your choice. The plan provides life coverage up to the age of 85 years, with several rolling Limited Pay options ranging from 2 to (PT-1) years. You can pay the premiums on a monthly, quarterly, half-yearly, yearly basis. Additionally, the HDFC Life Click 2 Protect Super Plan offers multiple claim payout options, including one-time lump sum, lump-sum with monthly income, and a combination of both.

PNB Metlife Mera Term Plan Plus offers many customization options. It offers a lifetime cover up to 80 years with various limited payment options - 10, 15, 20, and Pay till 60 years. The premium can be paid monthly, quarterly, half-yearly, or annually. Various claim payout options are available, including a lump sum option, monthly instalments option, and a combination of both. The PNB Metlife Mera Term Plan Plus offers various riders as well, including a Critical Illness Rider, Accidental Death Benefit Rider, and Waiver of Premium Rider (for Critical Illness and Accidental Disability). These are optional add-ons that you can include in your base policy to widen your coverage.