I have done research on it and found that the "Metlife online policy" are cheap compared to others and they do not have any hidden policy rejection.
What do you mean by hidden policy rejection?
As per Annual Report of IRDA FY2009-10 => Claims paid ratio 5.94 (which is last two, out of the 23 Life Insurance companies operating in India). Met Life is worst, as per above data.
Top 5 Indian Life Insurance Companies claims paid ratio (FY2009-10) -
  1. LIC - 96.54 %
  2. HDFC Life - 91.14%
  3. ICICI Pru Life - 90.17%
  4. ING Vysya Life - 89.30%
  5. Birla Sun Life - 89.09%