Accidental Insurance Rider with Disability Benefit - PNB MetLife

Key Benefits of PNB MetLife Accidental Disability Benefit Rider

  • 1

    Additional health cover

  • 2

    Flexibility to meet your needs

  • 3

    Tax advantage

  • 4

    Reasonable premium

Speak to an Advisor

Sorry! We are experiencing technical difficulties, please try later.
Enter a valid Name.
+91 Enter a valid Mobile Number.
Enter a valid City.
Please fill out a valid email address
Select Preference

Every person has different needs and we at PNB MetLife recognize this. To give you the flexibility to customize and enhance your protection, we offer you PNB MetLife Accidental Disability Benefit Rider - an accidental disability insurance rider which you may opt for along with your basic policy. This will help you shape your policy to suit your individual needs for a nominal premium.

PNB MetLife Accidental Disability Benefit Rider ensures

  1. Affordable premium at a nominal rate
  2. Additional protection against impairment due to accidents
  3. Flexibility to choose Sum Assured to meet varying needs

The chosen Accidental Disability Benefit shall be payable, upon the life insured meeting with an accident that results in him/ her being subject to one (or more) of the following impairments (arising within 180 days from the date of accident and independent of all other causes). 
The benefits under the rider shall be paid even in case when accident happens during the policy term and disability occurs beyond the policy tenure but happens within 180 days from the date of the accident. The impairments are as follows:
Total and irrecoverable loss of sight of both eyes.
  • Amputation or loss of use, of both hands at or above the wrists or
  • Amputation or loss of use, of both feet at or above the ankles or
  • Amputation or loss of use, of one hand at or above the wrist and one foot at or above the ankle.
The above disability must have lasted, without interruption, for at least 180 consecutive days and must be deemed permanent by a panel of independent medical practitioners.
The Policyholder can opt for this Rider either at inception along with Base Policy or at any Policy Anniversary under the Base Policy during its tenure.

Boundary ConditionsEligibility Criteria
Age at Entry(1)  18 years  - 65 years
Cover Ceasing Age  75 years
Policy Term(2)  10 years  - 40 years
Premium Payment Modes  Single, Yearly, Half-Yearly, Quarterly , Monthly(*) (only on ECS)& Payroll Saving Plan (PSP)
Premium Payment Options  Single  5 Pay  7 Pay  10 Pay  12 Pay  15 Pay  Regular Pay
Minimum Rider Sum Assured(3) (Rs.)  500000
Maximum Rider Sum Assured(3) (Rs.)  20000000
Min. Annualized Rider Premium(4) (Rs.)  630  125  125  90  90  90  75
Max. Annualized Rider Premium(4) (Rs.)  49200  9400  7200  5600  5000  4600  3000

*ECS Mandatory

1 Age Last Birthday
2 The Rider Policy Term can be equal to or Less than the Base Policy Term
3 Subject to the condition that the Rider Sum Assure is less than the Base Policy S um Assured
4 Exclusive of Taxes

*Age Last Birthday, ECS mandatory for monthly mode, Min/Max premiums does not include the taxes or extra premiums.

Download Brochure Know how the plan works Terms & Conditions Annexure

Form got successfully submitted.

Please fill out personal information

Enter a valid name
Enter a valid name
Enter a valid Email
+91 Enter a valid phone number.