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    PNB MetLife Accidental Disability Benefit Rider

    Get freedom from financial worries in unforeseen accidents

    Health Rider | UIN: 117B022V02

    Life is always unpredictable. We never know what the future may hold for us, but with PNB MetLife Accidental Disability Benefit Rider you can be prepared for any unforeseen accidents that may take place and guarantee financial protection for your family without any worries.

    PNB MetLife Accidental Disability Benefit Rider in a nutshell
    • Additional health cover to protect against accidents.
    • Reasonable premiums at nominal rates for financial stability.
    • Flexibility in choosing the Sum Assured to meet your needs.
    • Tax* Benefits on premiums.

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    Frequently Asked Questions

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    What is PNB MetLife Accidental Disability Benefit Rider?

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    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.

    What does PNB MetLife Accidental Disability Benefit Rider ensure?

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    This plan ensures:

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

    What are the key benefits of this plan?

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

    When are Benefits payable under this rider?

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    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

    What are the eligibility criteria for this plan?

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    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
    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 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.

    How can I buy PNB MetLife Accidental Disability Benefit Rider?

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    • *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


    Please fill out personal information

    Thank you for your interest in PNB MetLife Solutions, the brochure has been sent to your email ID.



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    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 or 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 PlansTerm PlanProtection PlansLong Term Savings Plans , Retirement Plans & Child Education Plan.

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