PNB MetLife DigiProtect Term Plan Review 2026

PNB MetLife DigiProtect Term Plan

PNB MetLife's online term plan. An individual, non-linked, non-participating pure protection product with cover from ₹50 lakh, running to age 85. Terminal illness is built in – the claim accelerates the death benefit rather than paying on top of it, and the policy ends once it is paid.

Read from PNB MetLife India Insurance Company Limited's own policy wording and prospectus. Last checked against those documents on 26 July 2026. The wording you are issued is the contract.

01The detail

DigiProtect Term Plan in one table

Claim settlement ratio

99.4%FY 2024–25

95% recommended

Complaints per 10,000

44.33policies

Under 10 recommended

Insurer	PNB MetLife India Insurance Company Limited
Sum insured	From ₹50 lakh upwards. How much you are actually offered depends on your age, income and health at underwriting.
Entry age	18 to 65 years
Cover runs to	28 to 85 years

Claim settlement and complaint figures are IRDAI-published and held centrally by NYVO, not taken from the insurer's marketing.

02Cover

What DigiProtect Term Plan does, and what it does not

Term insurance is a narrow product, so the useful question is not how this plan scores against a benchmark – it is what it pays for and what it leaves out. Both lists come from PNB MetLife's own documents.

What this plan does

01Cover from ₹50 lakh, running to age 85

02Terminal illness benefit built in, no extra premium

03Limited premium over 10 or 15 years, or regular pay

What it does not do

01Terminal illness paid on top of the death benefit it accelerates it, and the policy then ends

02Maturity benefit nothing is paid if you survive the term

03Exclusions

DigiProtect Term Plan exclusions: what the plan will not pay for

Every policy carries exclusions, and they are the clauses people read for the first time at claim stage. These are the ones worth knowing before you buy.

Not coveredIndicative, not exhaustive. Your policy wording is the contract.

01Suicide within 12 months of policy commencement or revival the payout is limited to a return of premiums, per the standard clause. Read the policy wording for the exact percentage.

02The policy terminates on payment of 100% of the death or terminal illness claim. A terminal illness payout is not additional cover – it brings the death benefit forward.

04The honest bit

Where DigiProtect Term Plan falls short

No plan is right for everyone, and a page that only lists strengths is not much use to you. These are the gaps we would raise on a call before recommending it.

Worth knowing before you buyNone of these are dealbreakers on their own. They are the trade-offs this plan asks you to accept.

01PNB MetLife draws 44.33 complaints per 10,000, averaged over 2022-25 – roughly nineteen times Aditya Birla Sun Life's 2.33. Its settlement ratio is excellent at 99.4%, which tells you claims get paid; the complaint volume tells you the process is not smooth.

02The terminal illness benefit accelerates the death benefit instead of adding to it. If it pays out, your family gets nothing further on death.

03How much cover you are offered is decided case by case, so the figure you are quoted may differ from the maximum advertised.

04No maturity benefit. Survive the term and nothing comes back.

05FAQs

DigiProtect Term Plan questions, answered

How much cover does DigiProtect Term Plan offer?

From ₹50 lakh upwards. How much you are actually offered depends on your age, income and health at underwriting.

Who can buy DigiProtect Term Plan?

Entry to DigiProtect Term Plan runs from 18 to 65 years. Cover can run to age 85, which is the maximum maturity age on this plan. What you are actually offered still depends on your income, health and any cover you already hold.

What does DigiProtect Term Plan not cover?

Like every term plan, DigiProtect Term Plan excludes suicide within 12 months of policy commencement or revival – the payout is limited to a return of premiums, per the standard clause. Read the policy wording for the exact percentage. Other exclusions are listed on this page, and the policy wording you are issued is the contract.

06Source documents