PNB MetLife Serious Illness Rider

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.

What you get

• Myocardial Infarction (First Heart Attack – Of Specified Severity)
• Stroke Resulting in Permanent Symptoms
• Cancer of Specified Severity
• Open Chest CABG
• Kidney Failure Requiring Regular Dialysis
• Major Organ / Bone Marrow Transplant
• Aorta Surgery
• Total Blindness
• Open Heart Replacement or Repair of Heart Valves
• Permanent Paralysis of Limbs.

What you don’t get

• 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 (i.e. during the waiting period) or date of reinstatement 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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