Group Accident Insurance Rider with Permanent Disability Benefit

Name: MetLife Group Accidental Permanent & Total Disability Plus
Brand: PNB Metlife
Rating: 4.5 (18244 reviews)

What would you like to do first?

There is an ever increasing need to achieve cost-effective protection, on a world-wide basis, against a range of different risks whether it is protecting employees of an organization or providing additional Benefits by protecting customers of any affinity group. Presenting PNB MetLife Group Accidental Permanent & Total Disability Plus, a one-year renewable Rider, which helps you protect your group

PNB MetLife Group Accidental Permanent & Total Disability Plus in a nutshell

Lump Sum Rider Sum Assured in case total permanent disability.
Additional Benefit to Benefits under Base Policy.
100% of the Rider Sum Assured for disability within 90 days of the accident.

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What you get

Flexible Premium Payment Modes

PNB MetLife Group Accidental Permanent & Total Disability Plus is a flexible Rider that allows you to choose from Yearly, Half Yearly or Monthly premium payments to ensure a stable life for you and your family.

Guaranteed¹ Premium Rates

With this plan, you don’t have to worry about fluctuating rates as they are fixed for a period of one year.

Tax Benefits²

As per the prevailing tax laws, MetLife Group Accidental Permanent & Total Disability Plus gives you the advantage of availing tax Benefits on both premiums paid and Benefits received.

Chance for Renewal

On consent of the Company, the Life Insured can renew this Rider every year along with the Base Plan on the Annual Renewal Date as mentioned in the schedule.

What you don’t get

Drug Abuse: Member under the influence of Alcohol or solvent abuse or use of drug except under the direction of a registered medical practitioner.
Self – Inflicted Injury: Intentional self – Inflicted Injury.
Criminal Acts: Member involvement in criminal and/or unlawful acts with criminal and/or unlawful intent.
War and Civil Commotion: War, invasion, hostilities, (whether war is declared or not), civil war, rebellion, revolution or taking part in a riot or civil commotion.
Nuclear Contamination: The radioactive, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or accident arising from such situations.
Aviation: Member participation in any flying activity, other than as a passenger in a commercially licensed aircraft or participation in a non-military flight for the purpose of descent from the aircraft while in flight.
Hazardous sports and pastimes: Taking part or participating for any hazardous hobby, pursuit or any race not previously declared and accepted by the company including, but not limited to the following: All forms of racing (i.e. whether in a powered vehicle or not), Trekking/rock climbing/mountaineering, River Rafting/kayaking/canoeing, Bungee Jumping, Skydiving, Scuba diving, etc.
Infection: Loss caused or contributed to by any infection, except infection caused by an external visible wound accidentally sustained.
Poison: Taking or absorbing, accidentally or otherwise, any poison.
Toxic Gases: Inhaling any gas or fumes, accidentally or otherwise, except accidentally in the course of duty.

Frequently Asked Questions

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What is PNB MetLife Group Accidental Permanent & Total Disability Plus Rider?

The Rider provides for lump sum amount of the Rider Sum Assured if the insured is diagnosed with total permanent disability due to accident. This Rider Benefit is in addition to the Benefits payable under the Base Policy. The Rider provides for an additional payment of 100% of the Rider Sum Assured in case of Permanent and Total Disability of the Member Insured as a result of an accident, provided disability occurs within 90 days of the accident.

How can I buy PNB MetLife Group Accidental Permanent & Total Disability Plus Rider?

Disclaimer:

PNB MetLife Group Accidental Permanent & Total Disability Plus Rider is a Non-Linked, Non-Participating, One Year Renewable, Group, Pure Risk, Health Insurance Rider UIN: 117B016V02. For more details on terms & conditions, please read the Sales brochure carefully before concluding any sale.

¹T&C Apply

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

²Tax 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. Goods and Services Tax (GST) shall be levied as per prevailing tax laws which are subject to change from time to time.

AD-F/2024-25/878