Care Health Insurance vs PNB MetLife India Insurance
On CSR alone: PNB MetLife leads with a higher claim settlement ratio in FY 2023-24. But CSR is one data point — also compare plans, premiums, and network before deciding.
Care Health — Strengths
- +90.32% claim settlement ratio (2023-24)
- +Covers AYUSH and mental health treatment
- +No co-payment for policyholders under age 61
- +Global cover available as add-on
PNB MetLife — Strengths
- +97.37% claim settlement ratio (2023-24)
- +Good rural and semi-urban access via PNB branches
- +Mera Term Plan Plus includes return of premium option