PNB MetLife Group Accidental Death Benefit Plus Rider

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 or protecting customers of any affinity group. Presenting PNB MetLife Group Accidental Death Benefit Plus, a one year renewable rider, which helps you to protect your group members and provides them security.

Exclusions

• Infection: Death caused or contributed to by any infection, except infection caused by an external visible wound accidentally sustained.
• Drug Abuse: Member under the influence of Alcohol or solvent abuse or use of drug except under the direction of a registered medical practitioner.
• Homicide: In the event the member is a victim of culpable homicide i.e. where the member dies due to an act committed against him, an act which is committed, with the intention causing death, or with the intention of causing bodily injury as is likely to cause death, or with the knowledge that such act is likely to cause death.
• Self – inflicted Injury: Intentional self – Inflicted injury
• Suicide: If the death was due to suicide, attempted suicide or intentional self – Inflicted injury by the member.
• 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.
• 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.

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