Aajeevan Suraksha Plan vs Hdfc Click To Protect Supreme Plus Term Insurance Plan 2026 | PolicyX

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PNB Metlife Aajeevan Suraksha Plan offers individuals a comprehensive life cover with a plethora of benefits and features embedded within the plan. Aajeevan Suraksha Plan offers you the convenience to pay premiums for a shorter period of time or throughout the policy term as well as life cover up to 99 years of age. Insurance holders can also opt to cover their spouse under the same plan and select the return of premiums on survival till the end of the policy term. The plan offers individuals a choice of 4 benefit options, namely Lump Sum, Life Partner, Fixed Income, Increasing Income

Additional benefits under the plan include a 'Return of Premium' option to get your premiums back on survival till maturity rider benefits as well as inbuilt coverage against terminal illness. In order to reach the right purchase decision it is essential to understand if the plan is tailored as per your needs and requirements. In this article, we shed light on all the pros and cons of the Aajeevan Suraksha Plan.

PNB Metlife Aajeevan Suraksha Plan offers you a range of benefits including:

  • Affordable Premium
  • Multiple Premium Payment Modes
  • In-built Accidental Cover
  • Tax Benefits as per laws
  • Double Sum Assured Option
  • Advance Premium Feature

 

PLAN DETAILS

Aajeevan Suraksha Plan

Hdfc Click To Protect Supreme Plus

Premium Including GST
Key Features
(Key features of the plan)
  • Flexible Premium Payment
  • Joint Life Cover
  • Whole Life Cover
  • 3 plan options
  • wellness benefits
  • survival benefits
Plan Maturity age Maximum Maturity Age - 99 years 85 years
Plan Sum Assured Basic Sum Assured: Rs. 25 Lakhs to no limit INR 50,000
Plan Entry Age Minimum Age - 18 years Maximum Age - 45 years 18 years
Plan Payment modes Yearly, half-yearly & monthly Half-yearly, monthly, quarterly
Plan Policy loan The policy loan is not available under PNB Metlife Aajeevan Suraksha Plan. No loan
Plan Sample Premium Rs 510-/ per month 1900 Rs/ month
Plan Brochure Brochure URL Brochure URL
Policy Term Minimum term - 10 years Maximum term - 99 years Minimum- 5 years, Maximum- 65 years – Age at Entry
Claim Settlement Ratio (2024-25) 99.57% 99.68%

* The above sample premiums are for a 30-year-old male, nonsmoker with a sum assured of Rs 50 lakhs and a policy tenure of 25 years. You can calculate the premiums for the above term insurance plans using the PolicyX Term Insurance Calculator.

Riders

Riders Associated with PNB Metlife Aajeevan Suraksha Plan

You can add the following riders to your PNB Metlife Aajeevan Suraksha Plan:

PNB MetLife Serious Illness Rider

Get additional health coverage on top of the base cover in case of a diagnosis of any listed critical illnesses.

PNB MetLife Accidental Death Benefit Rider

Get an extra payout on top of base cover upon your unfortunate death due to an accident.

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