PNB MetLife Critical Illness Rider

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 don’t get

Apart from the disease specific exclusions given along with definitions of diseases , no benefit will be payable if the critical illness is caused or aggravated directly or indirectly by any of the following:

• Existence of any sexually Transmitted Disease (STD) and its related complications
• 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
  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.
• Any disease which first manifests itself within 90 days of the risk commencement date or reinstatement date whichever is later.
• Any external congenital disorder, for a period of 36 months after the policy has been issued.
• Intentional self-inflicted injury, attempted suicide.
• 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.
• War, invasion, act of foreign enemy, hostilities (whether war be declared or not), armed or unarmed truce, civil war, mutiny, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, strikes.
• Taking part in any naval, military or air force operation during peace time.
• Participation by the insured person in any flying activity, except as a bona fide, fare-paying passenger or pilot and cabin crew of a recognized airline on regular routes and on a scheduled timetable.
• Participation by the insured person in a criminal or unlawful act 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.
• 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

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