Get freedom from financial worries in unforeseen accidents
(UIN: 117B020V03)
The future is unpredictable. While we may never know what life may hold for us, with PNB MetLife Accidental Death Benefit Rider Plus offers flexibility to customise and enhance our base policy to ensure a secure future for your family, in case of unfortunate events.
What you get
Returns of Sum Assured
In the event of the death of the life insured that matches the accident criteria within the policy term, 100% of Rider Sum Assured shall be payable.
Cover for Accident
According to the Rider, the Benefits are payable if the Life Insured meets with an accident that is defined as ‘A sudden, unforeseen and involuntary event caused by external, visible and violent means”
Duration of Illness
Under the PNB MetLife Accidental Death Benefit Rider Plus, Benefits are payable only if the death takes place within 180 days from the day of the accident.
Pre-existing Disease
Any condition that is pre-existing at the time of inception of the Rider policy Pre-existing Disease means any condition, ailment, injury or disease:
a) That is/are diagnosed by a physician within 48 months prior to the effective date of the policy issued by the insurer or its reinstatement
b) For which medical advice or treatment was recommended by, or received from, a physician within 48 months prior to the effective date of the policy issued by the insurer or its reinstatement.
Exclusion of Illness
Under this Plan, the Life Insured will not get any cover for Existence of any sexually Transmitted Disease (STD) and its related complication
Suicide Exclusions
If the Life Assured’s death is due to suicide within twelve months from the date of commencement of risk or from the Date of Revival of the Policy as applicable, the Nominee or beneficiary of the Policyholder shall be entitled to 80% of the total Premium paid till the date of death under the Policy death or Surrender Value available as on the date of death, whichever is higher, provided the Policy is in Inforce status. We shall not be liable to pay any interest on this amount.
Substance Abuse
Alcohol or Solvent abuse or taking of Drugs, narcotics or psychotropic substances unless taken in accordance with the lawful directions and prescription of a registered medical practitioner are not covered.
Every person has a different need and we at PNB MetLife recognize this. To give you the flexibility to customize and enhance your cover, we offer you PNB MetLife Accidental Death Benefit Rider Plus - a Rider which you may opt for along with your basic policy and shape your policy to suit your individual needs, for a nominal premium.
Boundary Conditions | Eligibility Criteria | ||||||
Age at Entry(1) | 18 years - 65 years | ||||||
Cover Ceasing Age | 70 years | ||||||
Policy Term(2) | 5 years - 40 years | ||||||
Premium Payment Modes | Single, Yearly, Half-yearly, Quarterly, Monthly* & Payroll savings program. | ||||||
Premium Payment Options | Single | 5 Pay | 7 Pay | 10 Pay | 12 Pay | 15 Pay | Regular Pay |
Minimum Rider Sum Assured(3) | Rs. 1,50,000 (Rs. 5 lacs for 'On Line') |
Rs.50,000 (Rs. 5 lacs for 'On Line') |
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Maximum Rider Sum Assured(3) | Rs.1Crore (Rs. 2 Crore for 'On Line') |
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Min. Annualized Rider Premium(4) | Rs.465 | Rs.285 | Rs.285 | Rs.60 | Rs.60 | Rs.60 | Rs.37.50 |
Max. Annualized Rider Premium(4) | Rs. 2,79,400 |
Rs. 49,200 |
Rs. 39,800 |
Rs. 30,000 |
Rs. 26,800 |
Rs. 25,600 |
Rs. 16,200 |
*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 Sum Assured
4 Exclusive of Taxes
*Age Last Birthday, ECS mandatory for monthly mode, Min/Max premiums does not include the taxes or extra premiums.
Disclaimer:
AD-F/2020-21/00311
As your trusted life insurance partner, PNB MetLife is with you amidst the current COVID-19 outbreak. Our policies also cover COVID-19 Claims. In case of a Death Claim, kindly submit the signed Claim Intimation Letter mentioning the policy number, brief of the insured event and other claim documents on the email mentioned herewith. Please write-in to us at claimshelpdesk@pnbmetlife.com or indiaservice@pnbmetlife.co.in. You can also call us on 1800-425-6969 for death claims intimations and for any queries on Monday - Saturday between 10:00 am - 7:00 pm.
PNB MetLife Insurance, amongst the trusted Life Insurance companies in India, aims to provide a wide range of Life Insurance products that suits the needs of an individual at every stage of his life. Life Insurance Plans range from Term Life Insurance Plans, Term Plan, Protection Plans, Long Term Savings Plans , Retirement Plans & Child Education Plan.