MetLife Group Serious Illness Rider

MetLife Group Serious Illness Rider

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

MetLife Group Serious Illness Rider in a nutshell

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

What you get

Protection in the Now

Contracting a serious illness can out a financial strain. With the 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 illness 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.

Premium Guarantee on Completing Survival Period

Under this Rider, the Benefit amount is payable with premium rates for a period of one year if the Life Insured survives for a period of at least days from date of diagnosis

What you don't get

Toxic Gases

Inhaling any gas or fumes, accidentally or otherwise, except accidentally in the course of duty will not be covered under this Rider.

Accident during Flying Activity

Benefits are not payable upon member participation in any flying activity, other than as a passenger in a commercially licensed aircraft.

Substance Abuse

Member under the influence of Alcohol or solvent abuse or use of drug except under the direction of a registered medical practitioner is not covered.

Self-inflicted Injury

Benefits will not be payable for any injury which is deemed intentional of self-inflicted under this Rider.

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 In force status. We shall not be liable to pay any interest on this amount.