Buy Best Accidental Insurance Plan with Death Benefit

Q: What are the key benefits of PNB MetLife Accidental Death Benefit Rider Plus?

Additional health cover Flexibility to meet your needs Tax * advantage Reasonable premium

Q: What are the eligibility criteria for this plan?

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') Maximum Rider Sum Assured (3) Rs.1Crore (Rs. 2 Crore for 'On Line') 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

Q: How can I buy PNB MetLife Accidental Death Benefit Rider Plus?

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What would you like to do first?

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.

PNB MetLife Accidental Death Benefit Rider Plus in a nutshell

Protection with additional cover under base policy.
Nominal premiums to ensure financial stability.
Flexibility in Rider term choosing the Sum Assured.
Tax^{^} Benefits on premiums and Benefits.

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What you get

Additional 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. Sum Assured available under Accidental Death Benefit Rider will be up to 3 times the Sum Assured on Death at the inception for the base policy.

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 Incidence

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.

What you don’t get

Suicide: If the death was due to suicide.
Self-inflicted injury: Intentional self-inflicted injury.
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: That is/are diagnosed by a physician within 36 months prior to the effective date of the policy issued by the insurer or its reinstatement or
- For which medical advice or treatment was recommended by, or received from, a physician within 36 months prior to the effective date of the policy or its reinstatement.
War, terrorism, invasion, act of foreign enemy, hostilities, civil war, martial law, rebellion, revolution, insurrection, military or usurper power, riot or civil commotion. War means any war whether declared or not.
Taking part in any naval, military or air force operation during peace time.
Committing an assault, a criminal offence, an illegal activity or any breach of law with criminal intent.
Engaging in or taking part in professional sport(s) or any hazardous pursuits, including but not limited to, diving or riding or any kind of race; underwater activities involving the use of breathing apparatus or not; martial arts; hunting; mountaineering; parachuting; bungee jumping.
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.
Participation by the insured person in any flying activity, except as a bonafide, fare paying passenger or pilot and cabin crew of a commercially licensed airline.
During first 36 months of the rider policy, all infections and diseases except gynogenic infection which shall occur with and through an accidental wound shall not be covered.
Nuclear contamination: The radioactive, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or accident arising from such nature. These exclusions are in addition to the exclusions listed in the Base Policy, if any.

Frequently Asked Questions

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What is PNB MetLife Accidental Death Benefit Rider Plus?

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.

What does PNB MetLife Accidental Death Benefit Rider Plus ensure?

Additional protection to coverage under base policy
Flexibility to choose Rider term and Sum Assured to meet varying needs
Tax^{^} advantages on the premiums paid and on the Benefits received

What are the key Benefits of PNB MetLife Accidental Death Benefit Rider Plus?

Additional health cover
Flexibility to meet your needs
Tax^{^} advantage
Reasonable premium

What are the eligibility criteria for this plan?

Boundary Conditions	Eligibility Criteria
Age at Entry¹	18 years - 65 years
Cover Ceasing Age	70 years
Policy Term²	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 Assured³	Rs. 1,50,000 (Rs. 5 lacs for 'On Line')			Rs.50,000 (Rs. 5 lacs for 'On Line')
Maximum Rider Sum Assured³	Rs.2 Crore
Min. Annualized Rider Premium⁴	Rs.465	Rs.285	Rs.285	Rs.60	Rs.60	Rs.60	Rs.37.50
Max. Annualized Rider Premium⁴	Rs. 2,59,400	Rs. 46,200	Rs. 35,800	Rs. 26,000	Rs. 21,800	Rs. 20,600	Rs. 11,200

*Monthly mode is available for standing instruction/direct debit options (including Automated Clearing House- ACH)

¹Age Last Birthday
²The Rider Policy Term can be equal to or Less than the Base Policy Term
³Subject to the condition that the Rider Sum Assured is up to three times the Base Policy Sum Assured.

⁴Min/Max premiums does not include the taxes or extra premiums

How can I buy PNB MetLife Accidental Death Benefit Rider Plus?

Disclaimer:

^{^}Tax benefits are as per the Income Tax Act, 1961, & are subject to amendments made thereto from time to time. Please consult your tax consultant for more details
For more details on risk factors terms and conditions, please read the sales brochure carefully before concluding any sale. PNB MetLife Accidental Death Benefit Rider Plus, Individual, Non-linked, Non-participating, Pure Risk, Health Insurance Rider | UIN:117B020V04

AD-F/2024-25/885