Hdfc Term Insurance vs Pnb Metlife Term Insurance Term Insurance 2026 | PolicyX
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Hdfc Term Insurance

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Pnb Metlife Term Insurance

Rating
Number of term insurance plans and add-ons
Annual Premiums Collected (2024-25)

Annual Premiums Collected (2024-25)

₹ 044.91 Cr

Annual Premiums Collected (2024-25)

₹ 7552.39 Cr
Payout Options

Payout Options

Lump sum, monthly or a combination of both

Payout Options

Lump sum, monthly, or a combination of both
Claim ratio

Payout Options

99.68%%

Payout Options

99.57%%
Solvency Ratio

Solvency Ratio

1.94

Solvency Ratio

1.72
Pan India Presence

Pan India Presence

450+

Pan India Presence

15000+
Riders Available

Riders Available

Return of Premium, Terminal Illness Benefit, Income Benefit Rider, Waiver of Premium (WOP) Rider, Critical Illness Cover/Rider, Accidental Total and Permanent Disability (ATPD) Rider, Accidental Death Benefit Rider (ADB)

Riders Available

Accidental Death Benefit Rider, Terminal Illness Rider, Waiver of Premium Rider, Critical Illness Rider
Inception year

Inception year

2000

Inception year

2001
Complaint ratio per ₹1 crore of premium collected

Complaint ratio per ₹1 crore of premium collected

0.023

Complaint ratio per ₹1 crore of premium collected

0.14
Average claim settlement time

Average claim settlement time

24 business hours

Average claim settlement time

15 days
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HDFC Life Term Insurance Review 2026 | Best HDFC Term Insurance | Policyx

HDFC Life Term Insurance Review 2026 | Best HDFC Term Insurance | Policyx

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Types of HDFC Term Insurance Plans

Every plan currently being sold by HDFC Term Insurance, shown side-by-side so you can shortlist quickly.

HDFC Quick Protect

HDFC Life Quick Protect is a comprehensive term insurance plan offering coverage against death, disease, and disability. It provid... Read More

Unique Features

  • High Sum Insured
  • 19 Critical Illness Cover
  • Accidental Death Benefit
Sum AssuredEntry Age - 18 years
Entry AgeMax Entry Age - 50 years
View plan

HDFC Term With Return Of Premium

The HDFC Term with Return of Premium Plan offers life insurance coverage where all base premiums are returned at policy maturity, ... Read More

Unique Features

  • Death Benefit
  • Reduced Paid Up Benefit
  • Discount On Large Sum Assured
Sum AssuredEntry Age: 18 Years
Entry AgeMax Entry Age: 50 years
View plan

HDFC Life Smart Term Pro

HDFC Life Smart Term Pro is a versatile term insurance plan designed for comprehensive life coverage and financial security. It of... Read More

Unique Features

  • Enhanced Protection Through Riders
  • Return of Premium
  • Surrender and Maturity Benefit
Sum AssuredEntry Age - 30 Days
Entry AgeMax Entry Age - 60 years
View plan

HDFC Life Smart Term Edge

HDFC Life Smart Term Edge is a comprehensive term protection plan offering flexible options like Classic, Step-Up, and Comprehensi... Read More

Unique Features

  • Reduced Paid Up Benefit
  • Death Benefit
  • Surrender Benefit
Sum AssuredEntry Age - 18 Years
Entry AgeMax Entry Age - 60 years
View plan

HDFC Life Click 2 Protect 3D Plus

The HDFC Click 2 Protect 3D Plus Term Plan provides 3-in-1 protection against death, disability, and critical illness, ensuring fi... Read More

Unique Features

  • 9 Plan Options
  • Whole life coverage
  • Rider benefits
Sum AssuredEntry Age -18 Years
Entry AgeMax Entry Age - 65 years
View plan

HDFC Life Sanchay Legacy

HDFC Life Sanchay Legacy is a comprehensive term plan offering whole life coverage with an increasing death benefit and early retu... Read More

Unique Features

  • Increasing death benefit
  • Life cover with no medical test
  • Accelerated death benefit
Sum AssuredMinimum Entry Age: 40 years
Entry AgeMaximum Entry Age: 75 years
View plan

HDFC Life Click 2 Protect Elite

HDFC Life Click 2 Protect Elite is a term insurance plan offering very high life cover, starting from ₹2 crores, with flexible p... Read More

Unique Features

  • Smart Exit Benefit
  • Free-look period
  • Policy revival
Sum AssuredEntry age - 18 years
Entry AgeMax entry age - 45 years
View plan

HDFC Life Saral Jeevan Bima

HDFC Life Saral Jeevan Bima is a simple, transparent, and affordable non-linked, non-participating term plan, ideal for first-time... Read More

Unique Features

  • Flexible premiums
  • Additional riders
  • Financial protection
Sum AssuredEntry Age - 30 Days
Entry AgeMax Entry Age - 65 Years
View plan

HDFC Click 2 Protect Supreme

HDFC Life Click 2 Protect Supreme is a pure term insurance plan designed to secure a family's finances, offering three plan option... Read More

Unique Features

  • Choice of Plan Options
  • Return of Premium Option
  • Increasing Death Benefits
Sum AssuredEntry age - 18 years
Entry AgeMax entry age - 84 years
View plan

HDFC Life Click 2 Protect Ultimate

HDFC Life Click 2 Protect Ultimate is a term insurance plan providing high life cover with 100% claim assurance. It includes a ter... Read More

Unique Features

  • High Life Cover
  • Terminal Illness
  • Return of Premium Benefit
Sum AssuredEntry Age: 18 Years
Entry AgeMax Entry Age: 50 Years
View plan

HDFC Click to Protect Supreme Plus

HDFC Click 2 Protect Supreme Plus is a flexible term insurance plan providing comprehensive long-term family protection. It offers... Read More

Unique Features

  • 3 plan options
  • wellness benefits
  • survival benefits
Sum AssuredEntry Age - 18 Years
Entry AgeMax Entry Age - 50 years
View plan

Types of PNB MetLife Term Insurance Plans

Every plan currently being sold by PNB MetLife Term Insurance, shown side-by-side so you can shortlist quickly.

PNB Metlife Aajeevan Suraksha

The PNB Metlife Aajeevan Suraksha Term Plan offers comprehensive whole life coverage up to age 99, with flexible premium payment o... Read More

Unique Features

  • Flexible Premium Payment
  • Joint Life Cover
  • Whole Life Cover
Sum AssuredEntry Age: 18 Years
Entry AgeMaximum Entry Age: 65 Years
View plan

PNB Mera Jeevan Suraksha

The PNB MetLife Mera Jeevan Suraksha Plan is a term insurance product designed for financial protection against death and terminal... Read More

Unique Features

  • Return of Premium Benefit
  • Waiver of Premium
  • Terminal Illness Cover
Sum AssuredEntry Age: 18 years
Entry AgeMaximum Entry Age: 65 years
View plan

PNB Metlife Family Income Protector Plus

The PNB MetLife Family Income Protector Plus Plan is a non-linked term insurance plan that ensures a family receives a regular mon... Read More

Unique Features

  • Monthly Income for 20 years
  • Return of premium
  • Tax benefits
Sum AssuredMinimum Entry Age: 25 years
Entry AgeMaximum Entry Age: 60 years
View plan

PNB MetLife POS Suraksha

PNB MetLife POS Suraksha is an affordable term insurance plan designed to provide a guaranteed monthly income to support a family ... Read More

Unique Features

  • Guaranteed Monthly Income
  • Return of 100% premium
  • Easy Enrollment
Sum AssuredEntry Age: 18 years; Maximum Entry Age: 55 years; Minimum Sum Assured: ₹50
Entry Age000; Maximum Maturity Age: 65 years; Premium Payment Term: Regular Pay/Limited Pay
View plan

PNB MetLife Loan and Life Suraksha

PNB MetLife Loan & Life Suraksha is a term insurance plan specifically designed to secure financial liabilities like home, educati... Read More

Unique Features

  • Dual Coverage Option
  • Joint Life Option
  • Moratorium Period
Sum AssuredMinimum Entry Age: 15 years
Entry AgeMaximum Entry Age: 65 years
View plan

PNB Metlife Mera Term Plus

PNB MetLife Mera Term Plan Plus is a comprehensive, customizable pure protection plan offering financial security for families. It... Read More

Unique Features

  • Comprehensive coverage
  • Plan enhancement options
  • Customizable plans
Sum AssuredEntry Age: 18 years
Entry AgeMaximum Entry Age: 60 years
View plan

Term Insurance Articles

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Expert Reviewed

Reviewed By: Naval Goel

Naval Goel has over a decade of expertise in the insurance sector, having worked with companies like AIG, New York. He is an Associate Member of the Indian Institute of Insurance, Pune, and is authorized by IRDAI to act as Principal Officer of PolicyX.com Insurance Web Aggregator.

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