Critical Illness Insurance Rider for Cancer & Heart Attack - PNB MetLife

Key Benefits of PNB MetLife Critical Illness Rider

  • 1

    Additional health cover

  • 2

    Flexibility to meet your needs

  • 3

    Tax advantage

  • 4

    Reasonable premium

Critical Illness Insurance

In these days of increasing stress, good health is a major concern for all of us. With a fast-paced life, the chances of contracting serious illnesses like a heart attack or cancer have increased. Thankfully, with medical advancement, the chances of surviving them are also high – but so are the costs of such treatments. These major illnesses affect the family emotionally as well as financially. While we may not be able to predict or prevent these diseases from occurring, we can certainly protect against it. Life insurance companies in India provide many critical health insurance plans. PNB MetLife Critical illness rider is a health insurance rider.

PNB MetLife Critical Illness Rider ensures

  1. Get additional protection against cancer and heart attack.
  2. Stay protected with additional cover under base policy.
  3. Flexibility to choose Sum Assured to meet varying needs

The chosen Critical Illness (CI) Sum Assured shall be payable upon the first diagnosis of one of the covered Critical Illnesses (listed below), provided the following:
 
  • The Person Insured survives for at least 30 days from the date of first diagnosis.
  • The critical illness is diagnosed after the completion of the Waiting Period of 90 days from date of commencement or reinstatement, as applicable.
 
The Critical Illness conditions are; 
 
  1. First Heart Attack – Of Specified Severity
  2. Cancer Of Specified Severity

Boundary Conditions  Eligibility 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  500000  500000  500000  500000  500000  500000
Maximum Rider Sum Assured(3) (Rs.)  50,00,000  50,00,000  50,00,000  50,00,000  50,00,000  50,00,000  50,00,000
Min. Annualized Rider Premium(4) (Rs.)  670  135  135  100  100  100  75
Max. Annualized Rider Premium(4) (Rs.)  7,66,650  1,44,200  1,10,000  87,100  81,400  72,900  80,450

*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.

Terms & Conditions Download Brochure Annexure

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