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Reduce your financial stress with an additional cover
Health Rider | UIN: 117B023V02
Your financial stress with an additional cover.
With the ever-increasing level of pressure in our fast-moving lives, stress can take a serious toll on our health. While critical illnesses like heart attacks and cancer have become common, PNB MetLife Critical Illness Rider provider you with health cover against them to ensure that your family’s needs are fulfilled, even in your absence.
What you get
Acceptable Time Period
The critical illness is diagnosed after the completion of the Waiting Period of 90 days from date of commencement or reinstatement, as applicable.
Duration of Illness
The Rider Benefits shall be payable only if the Life Insured survives for at least 30 days from the date of first diagnosis.
Under this Rider, Life insured gets protection against two major critical illnesses- First Heart Attack (Myocardial Infarction) of specified severity and cancer of specified severity if they meet the required criteria during diagnosis.
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 will not be covered under this Rider.
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.
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.
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.
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
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:
|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|
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.
You can buy this plan offline through any of the following options:
Get freedom from financial worries in unforeseen accidents
Enhance your Life Insurance Cover and be double sure!
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 firstname.lastname@example.org or email@example.com. 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.