PNB MetLife Accidental Disability Benefit Rider

PNB MetLife Accidental Disability Benefit Rider

Life is always unpredictable. We never know what the future may hold for us, but with PNB MetLife Accidental Disability Benefit Rider you can be prepared for any unforeseen accidents that may take place and guarantee financial protection for your family without any worries.

PNB MetLife Accidental Disability Benefit Rider in a nutshell
1. Additional health cover to protect against accidents.
2. Reasonable premiums at nominal rates for financial stability.
3. Flexibility in choosing the Sum Assured to meet your needs.
4. Tax* Benefits on premiums.

What you get
Cover for Accidental Disability

The Rider Benefits shall be payable only if the Life Insured meets with an accident that renders them disabled within 180 days from the date of accident and independent of other causes.

Necessary Impairments

To ensure that Benefits are payable under this rider, the Life Assured must have a total and irrecoverable loss of sight of both eyes, amputation or loss of use, of both hands or feet at or above the wrists or ankles respectively

Acceptable Duration of Disability

For benefits to be payable under this rider, the disability must last without interruption, for at least 180 consecutive days and must be deemed permanent by a panel of independent medical practitioners.

What you don't get

Accident during Flying Activity

Participation by the insured person in any flying activity, except as a bona fide, fare paying passenger or pilot and cabin crew of a commercially licensed airline are not covered.

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.

Substance Abuse

We do not cover demise by suicide if it has taken place over 12 months since the commencement of the policy. However, if the life assured has passed away due to suicide within 12 months of date of policy commencement, the nominee is entitled to at least 80% of the Sum Assured.

Dangerous Activities

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 are not covered.