PNB MetLife Death Claim Process: Complete Guide for Families
If your loved one had a PNB MetLife policy, here’s exactly how to claim it.
PNB MetLife is a joint venture between Punjab National Bank and MetLife, one of the world’s largest insurance companies. With a 99.06% claim settlement ratio (FY 2023-24) and a dedicated 24x7 claims helpline, they’ve made the claim process accessible around the clock.
Here’s everything you need to know.
Quick Answer: How PNB MetLife Death Claims Work
- Intimate the claim → Call 24x7 helpline, online, email, or visit branch
- Submit documents → Death certificate, claim form, ID proofs
- PNB MetLife verifies → Reviews and processes
- Receive payment → Bank transfer after approval
Timeline: Within 30 days for non-investigation claims.
Success rate: PNB MetLife’s Claim Settlement Ratio for 2023-24 is 99.06%.
Ways to Report Your Claim
1. 24x7 Claims Helpline
- Call 1800-258-5881 (available 24 hours, 7 days)
- Dedicated round-the-clock claims support
2. Customer Care Helpline
- Call 1800-425-6969
- Monday to Saturday, 10:00 AM to 7:00 PM
3. Online Portal
- Visit pnbmetlife.com
- File claims and track status online
- Download claim forms
4. Email
- Claims: [email protected]
- General: [email protected]
5. Branch Visit
- Visit any PNB MetLife branch
- Or any Punjab National Bank branch
- Submit documents in person
Documents You’ll Need
Mandatory Documents (All Claims)
| Document | Details |
|---|---|
| Death Claim Form | Download from PNB MetLife website |
| Death Certificate | Original or attested copy |
| Claimant’s ID Proof | Aadhaar, PAN, passport, or voter ID |
| Claimant’s Address Proof | Aadhaar, utility bill, or bank statement |
| Cancelled Cheque | With claimant’s name and account number |
| NEFT Mandate Form | For bank transfer |
| Policy Document | Original (if available) |
Additional Documents (If Applicable)
| Situation | Additional Documents |
|---|---|
| Accidental death | FIR, post-mortem report, police final report |
| Death within 3 years | Medical records, hospital documents |
| No nominee | Legal heir certificate or succession certificate |
| Nominee is minor | Appointee’s ID and address proof |
| Hospitalization | Hospital records, discharge summary |
Step-by-Step Claim Process
Step 1: Intimate the Claim
Contact PNB MetLife through any channel:
- 24x7 Claims Helpline: 1800-258-5881
- Customer Care: 1800-425-6969
- Email: [email protected]
- Online: pnbmetlife.com
You’ll receive a claim reference number and list of required documents.
Step 2: Get the Claim Form
Download from:
- PNB MetLife Claims Page
- Or collect from any PNB MetLife/PNB branch
Fill it completely with accurate details.
Step 3: Gather Documents
Collect all required documents:
- Death certificate (original or attested)
- Claimant’s ID and address proof
- Cancelled cheque
- Policy document (if available)
- Medical records (for early death claims)
Step 4: Submit Documents
Submit at:
- Any PNB MetLife branch
- Any Punjab National Bank branch
- Through online portal
- Via email with scanned copies
Get an acknowledgment receipt and note the claim reference number.
Step 5: Verification
PNB MetLife reviews your claim:
- Policies 3+ years old: Mostly document verification
- Policies under 3 years: May include investigation
If additional documents are needed, they will contact you.
Step 6: Settlement
Once approved:
- Payment transferred to claimant’s bank account
- Settlement confirmation sent via SMS/email
Timeline: How Long Does It Take?
| Metric | Timeline |
|---|---|
| Standard claims | Within 30 days |
| IRDAI-mandated (non-investigation) | 15 days |
| IRDAI-mandated (with investigation) | 45 days |
| Interest if delayed | Bank Rate + 2% per annum |
What If the Policy Document is Lost?
You can still claim:
- Report the claim normally
- Provide the policy number (check old SMS, emails, or premium receipts)
- PNB MetLife will verify from their records
- Sign an indemnity bond if required
The policy document isn’t mandatory if you have the policy number.
Common Reasons Claims Get Rejected
1. Non-Disclosure
If the policyholder didn’t disclose:
- Pre-existing medical conditions
- Smoking or alcohol habits
- Hazardous occupation or hobbies
2. Policy Lapse
Premiums not paid and grace period expired. Check policy status before filing.
3. Exclusion Period
Some policies have waiting periods for certain causes of death.
4. Incomplete Documents
Missing or illegible documents can delay or complicate claims.
What If Your Claim is Rejected?
Level 1: PNB MetLife Grievance
- Email: [email protected]
- Online: Use grievance portal on PNB MetLife website
- Request detailed reasons for rejection
Level 2: IRDAI Grievance
- Portal: bimabharosa.irdai.gov.in
- Email: [email protected]
- Toll-free: 155255 or 1800 4254 732
Level 3: Insurance Ombudsman
- Award limit: Up to ₹50 lakh
- Binding: Decision is binding on PNB MetLife
- Timeline: Usually within 3 months
- Cost: Free - no lawyer needed
Find your regional Ombudsman at cioins.co.in.
PNB MetLife Contact Information
| Purpose | Contact |
|---|---|
| 24x7 Claims Helpline | 1800-258-5881 |
| Customer Care | 1800-425-6969 |
| Claims Email | [email protected] |
| General Email | [email protected] |
| Phone | 080-66006969 |
| Website | pnbmetlife.com |
| Customer Care Hours | Mon-Sat, 10 AM - 7 PM |
Registered Office: PNB MetLife India Insurance Company Limited, 1st Floor, Techniplex-1, Techniplex Complex, Off Veer Savarkar Flyover, Goregaon (West), Mumbai - 400062
Tips for Fast Claim Settlement
- Use 24x7 helpline - PNB MetLife’s round-the-clock support is reliable
- Submit complete documents first time - Avoid delays
- Keep policy number handy - Check old emails or SMS
- Visit PNB branches - They can help with MetLife claims
- Track regularly - Call helpline for updates
- Keep copies - Before submitting any originals
Frequently Asked Questions
What makes PNB MetLife’s claims helpline special?
PNB MetLife offers a dedicated 24x7 claims helpline (1800-258-5881), so you can report claims any time, even nights and weekends.
Can I file a claim at Punjab National Bank branches?
Yes. PNB branches can help you initiate the claim process for PNB MetLife policies.
How do I track my PNB MetLife claim?
Call 1800-425-6969, the 24x7 helpline at 1800-258-5881, or check online at pnbmetlife.com.
What if there are multiple nominees?
Claim is split as per the percentage in the policy. All nominees submit documents and sign the claim form.
Can I claim if premiums were pending?
If within grace period (usually 30 days), yes. Otherwise, depends on whether the policy had paid-up value.
What’s the MetLife connection?
PNB MetLife is a joint venture between Punjab National Bank (India) and MetLife International (USA), one of the world’s largest life insurance companies.
The Bottom Line
PNB MetLife’s 24x7 claims helpline and 99.06% claim settlement ratio show their commitment to being there when families need them most. The PNB branch network adds convenience for customers across India.
Key steps:
- Intimate immediately - Use the 24x7 claims helpline
- Gather complete documents - Death certificate, ID proofs, bank details
- Submit via PNB or MetLife branches - Wide network available
- Track regularly - Use helplines for updates
Document Your Policies
PNB MetLife’s 24x7 helpline is helpful - but only if your family knows the policy exists.
Do they know about all your insurance policies? The policy numbers? Who to contact?
Take a few minutes to document this. Your family will thank you later.
When everything is documented, claims take weeks instead of years. Anshin keeps your financial details organized and shared with the people who matter.