PNB MetLife Serious Illness Rider

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.

PNB MetLife Serious Illness Rider in a nutshell
1. Additional health cover
2. Reasonable premiums
3. Flexibility to meet your needs
4. Tax* advantages

What you get

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:

A history of typical clinical symptoms consistent with the diagnosis of Acute Myocardial Infarction (for e.g. typical chest pain)

New characteristic electrocardiogram changes

Elevation of infarction specific enzymes, Troponins or other specific biochemical markers.

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:

One of the following human organs: heart, lung, liver, kidney, pancreas, that resulted from irreversible end-stage failure of the relevant organ, or

Human bone marrow using haematopoietic stem cell.

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.

PNB MetLife Serious Illness Rider ensures
1. Protection with additional health cover under base policy
2. Flexibility to choose rider term and Sum Assured to meet varying needs
3. Tax advantages on the premiums paid and, on the Benefits, received

What you don't get

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 In force 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