Enhance your Life Insurance Cover and be double sure!
(UIN: 117B021V03)
With the ever-increasing pressure in today’s fast-paced lives, your health often takes a backseat. While the chances are survival are high, the risk of contracting serious illnesses like heart attacks is much higher. That’s when the PNB MetLife Serious Illness Rider comes to your rescue, allowing you to cover your life against a critical illness and ensuring financial security for your family.
Myocardial Infarction of Specified Variety
The first occurrence of myocardial infarction which means the death of a portion of the heart muscle as a result of inadequate blood supply to the relevant area. The diagnosis for this will be evidenced by all of the following criteria:
Cancer of Specified Severity
A malignant tumour characterized by the uncontrolled growth & spread of malignant cells with invasion & destruction of normal tissues. This diagnosis must be supported by histological evidence of malignancy & confirmed by a pathologist. The term cancer includes leukemia, lymphoma and sarcoma.
Major Organ / Bone Marrow Transplant
The actual undergoing of a transplant of:
The undergoing of a transplant must be confirmed by a specialist medical practitioner.
Open Chest CABG
The actual undergoing of open chest surgery for the correction of one or more coronary arteries, which is/are narrowed or blocked, by coronary artery bypass graft (CABG). The diagnosis must be supported by a coronary angiography and the realization of surgery must be confirmed by a specialist medical practitioner.
Aorta Surgery
The undergoing of surgery to correct any narrowing, dissection, obstruction or aneurysm of the thoracic or abdominal aorta, but not its branches. The surgery must be considered medically necessary by a recognized consultant cardiologist and must be the most appropriate treatment. All minimally invasive procedures such as keyhole, catheter, laser, angioplasty or other intra-arterial techniques are excluded.
Permanent Paralysis of Limbs
Total and irreversible loss of use of two or more limbs as a result of injury or disease of the brain or spinal cord. A specialist medical practitioner must be of the opinion that the paralysis will be permanent with no hope of recovery and must be present for more than 3 months.
Pre-existing Disease
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:
a) That is/are diagnosed by a physician within 48 months prior to the effective date of the policy issued by the insurer or its reinstatement.
b) For which medical advice or treatment was recommended by, or received from, a physician within 48 months prior to the effective date of the policy issued by the insurer or its reinstatement.
Illness during Waiting Period
Any disease occurring within 90 days of the start of coverage.
Suicide Exclusions
If the Life Assured’s death is due to suicide within twelve months from the date of commencement of risk or from the Date of Revival of the Policy as applicable, the Nominee or beneficiary of the Policyholder shall be entitled to 80% of the total Premium paid till the date of death under the Policy death or Surrender Value available as on the date of death, whichever is higher, provided the Policy is in Inforce status. We shall not be liable to pay any interest on this amount.
Exclusion of Illness
Under this Plan, the Life Insured will not get any cover for Existence of any Sexually Transmitted Disease (STD) and its related complication
In these days of increasing stress, good health is a major concern for all of us. With our fast-paced lives, the chances of contracting serious illnesses like heart attacks or cancer have increased. Thankfully with medical advancement, the chances of surviving them are also high but so are the costs of such treatments. These major illnesses affect the family emotionally as well as financially. While we may not be able to predict or prevent these diseases from occurring, we can certainly protect against them by investing in a critical illness insurance or a serious illness cover such as PNB MetLife Serious Illness Rider.
With this plan you can,
| Boundary Conditions | Eligibility Criteria | ||||||
|---|---|---|---|---|---|---|---|
| Age at Entry(1) | 18 years - 65 years | ||||||
| Maximum Maturity Age | 70 years | ||||||
| Policy Term(2) | 5 years - 40 years | ||||||
| Premium Payment Modes | Single, Yearly, Half-yearly, Quarterly, Monthly* & Payroll savings program. | ||||||
| Premium Payment Options | Single | 5 Pay | 7 Pay | 10 Pay | 12 Pay | 15 Pay | Regular Pay |
| Minimum Rider Sum Assured(3) (Rs.) | 50,000(500,000 for On Line) | ||||||
| Maximum Rider Sum Assured(3) (Rs.) | 50,00,000 | ||||||
| Min. Annualized Rider Premium(4) | Rs.263 | Rs. 70 | Rs. 62 | Rs.62 | Rs.62 | Rs.62 | Rs.62 |
| Max. Annualized Rider Premium(4) | Rs. 865,300 | Rs. 49,200 | Rs. 1,45,800 | Rs. 1,17,400 | Rs. 1,05,450 | Rs. 90,200 | Rs. 1,38,400 |
*ECS Mandatory
1 Age Last Birthday
2 The Rider Policy Term can be equal to or Less than the Base Policy Term
3Subject to the condition that the Rider Sum Assure is less than the Base Policy Sum Assured
4Exclusive of Taxes
*Age Last Birthday, ECS mandatory for monthly mode, Min/Max premiums does not include the taxes or extra premiums.
You can purchase this plan offline using any of the following methods:
Disclaimer:
AD-F/2020-21/00323
Bonus declared for Participating Policies in FY’23-24
transactions completed on the khUshi chatbot.
Claim settlement ratio for retail business
Locations & strong branch network
As your trusted life insurance partner, PNB MetLife is with you amidst the current COVID-19 outbreak. Our policies also cover COVID-19 Claims. In case of a Death Claim, kindly submit the signed Claim Intimation Letter mentioning the policy number, brief of the insured event and other claim documents on the email mentioned herewith. Please write-in to us at claimshelpdesk@pnbmetlife.com or indiaservice@pnbmetlife.co.in. You can also call us on 1800-425-6969 for death claims intimations and for any queries on Monday - Saturday between 10:00 am - 7:00 pm.
PNB MetLife Insurance, amongst the trusted Life Insurance companies in India, aims to provide a wide range of Life Insurance products that suits the needs of an individual at every stage of his life. Life Insurance Plans range from Term Life Insurance Plans, Term Plan, Protection Plans, Long Term Savings Plans , Retirement Plans & Child Education Plan.
Get Trusted Advice
Ask khUshi
Hi! I’m khUshi. How can I help you?
