Group Serious Illness Insurance Rider

Name: Group Serious Illness
Brand: PNB MetLife
Rating: 4.7 (19234 reviews)

What would you like to do first?

The future is unpredictable and while we may never know what life has in store hold for us. So, PNB MetLife Group Serious Illness Rider offers you the opportunity to cover against a total of 15 illnesses¹, ensuring complete protection of your loved ones in every walk of life.

PNB MetLife Group Serious Illness Rider in a nutshell

Protection provided for employees offered by employers.
Cost-effective protection on a world-wide basis.
One-year renewable Rider.
Choice of Premium Payment

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What you get

Protection in the Now

Contracting a serious illness can out a financial strain. With the PNB MetLife Group Serious Illness Rider, you get money to pay for the illness when you need it rather than the end of the treatment, ensuring protection against life.

Wide Coverage of Illnesses

With this Rider, you can get payment on proper diagnosis on as many as 15 serious illness¹ conditions, thereby protecting you against more health risks.

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.

Benefit Amount on Completing Survival Period

Under this Rider, the Benefit amount is payable only if the Life Insured survives for a period of at least 30 days from date of diagnosis

What you don’t get

The Person Insured will not be entitled to any benefits if a Covered Serious Illness results either directly or indirectly from any one of the following causes:

Congenital Condition: Congenital Anomaly refers to a condition(s) which is present since birth, and which is abnormal with reference to form, structure or position.
Drug Abuse: Insured Member is under the influence of Alcohol or solvent abuse or use of drugs except under the direction of a registered medical practitioner.
Any condition that is pre-existing at the time of inception of the rider policy
- 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
- 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.
Intentional self-inflicted injury.
Criminal acts: Insured Member’s involvement in criminal and/or unlawful acts with criminal and/or unlawful intent.
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 nature.
Aviation: Insured Member's participation in any flying activity, other than as a passenger in a commercially licensed aircraft.
Hazardous sports and pastimes: Taking part or practicing for any hazardous hobby, pursuit or any race not previously declared and accepted by Us.
Pregnancy: Any complications arising from pregnancy or childbirth.

These exclusions apply in addition to the exclusions listed in the Base Policy, if any.

Frequently Asked Questions

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What is PNB MetLife Group Serious Illness Rider?

MetLife Group Serious Illness Rider provides payment of on diagnosis of as many as 15 serious conditions. You can have the money to pay for the illness when you need it rather than after the treatment is over, thus helping you protect yourself against any health or lifestyle risk.

How can I buy PNB MetLife Group Serious Illness Rider?

Disclaimer:

PNB MetLife Group Serious Illness Rider (UIN: 117B018V02) is a Non-Linked, Non-Participating, One Year Renewable, Group, Pure Risk, Health Insurance Rider.

For more details on terms & conditions, please read the Sales brochure carefully before concluding any sale.

¹PNB MetLife Group Serious Illness rider provides payment of on diagnosis of as many as 15 serious conditions. You can have the money to pay for the illness when you need it rather than after the treatment is over, thus helping you protect yourself against any health or lifestyle risk. Please refer product brochure for more details on the specific 15 serious illness mentioned here.

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

AD-F/2024-25/879