Accidental Insurance Rider with Disability Benefit

Name: PNB MetLife Accidental Disability Benefit Rider
Brand: PNB Metlife
Rating: 4.5 (18244 reviews)

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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 guarantee¹ 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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What is covered

Cover for Accidental Disability

The Rider Benefits shall be payable only if the Life Insured meets with an accident that renders them disabled within 180 days from the date of accident and independent of other causes.

Necessary Impairments

To ensure that Benefits are payable under this rider, the Life Assured must have a total and irrecoverable loss of sight of both eyes, amputation or loss of use, of both hands or feet at or above the wrists or ankles one hand at or above the wrist and one foot at or above the ankle respectively.

Acceptable Duration of Disability

For benefits to be payable under this rider, the disability must last without interruption, for at least 180 consecutive days and must be deemed permanent by a panel of independent medical practitioners.

Exclusions

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
1. 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
2. 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 Disability Benefit Rider?

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?

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?

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

When are Benefits payable under this rider?

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).

If the Accidental Disability occurs beyond the Policy Term, this Sum Assured will be paid provided the accidental disability occurs within 180 days from the date of 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?

Boundary Conditions	Eligibility Criteria
Age at Entry¹	18 years- 65 years
Cover Ceasing Age	75 years
Policy Term²	10 years- 40 years
Premium Payment Modes	Single, Yearly, Half-Yearly, Quarterly , Monthly* & Payroll Saving Plan (PSP)
Premium Payment Options	Single	5 Pay	7 Pay	10 Pay	12 Pay	15 Pay	Regular Pay
Minimum Rider Sum Assured³ (Rs.)	5,00,000
Maximum Rider Sum Assured³ (Rs.)	2,00,00,000
Min. Annualized Rider Premium⁴ (Rs.)	630	125	125	90	90	90	75
Max. Annualized Rider Premium⁴ (Rs.)	49,200	9,400	7,200	5,600	5,000	4,600	3,000

^*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 not exceeding than the Base Policy Sum Assured
⁴Min/Max premiums does not include the taxes or extra premiums

How can I buy PNB MetLife Accidental Disability Benefit Rider?

Disclaimer:

^{^}Tax benefits are as per Income Tax Act, 1961 & are subject to amendments made thereto from time to time. Please consult your tax consultant for more details. Goods and Services Tax (GST) shall be levied as per prevailing tax laws which are subject from time to time.
PNB MetLife Accidental Disability Benefit Rider is an Individual, Non-Linked, Non-Participating, Pure Risk, Health Insurance Rider (UIN: 117B022V03)

¹Terms & Conditions apply

Please read the sales brochure carefully before concluding any sale.

For more details on risk factors terms and conditions, please read the sales brochure before concluding any sale.

AD-F/2024-25/1122